急求下段的英文翻译

来源：百度知道 编辑：UC知道 时间：2024/06/04 05:43:22
随着经济的发展和消费结构的升级换代，居民的消费方式也在同步发生变化，由“自我积蓄型滞后消费”转变为“信用支持型提前消费”，进入消费信用化时代。商业银行在传统的工商企业贷款业务的基础上，为适应日趋激烈的银行业竞争和满足消费者的需求而发展了住房消费信贷业务。住房消费信贷是银行等金融机构为满足居民购买住房的需求而提供的信用贷款服务。伴随住房制度改革不断深化而产生的个人住房消费信贷，是社会经济发展和银行金融发展的必然选择。据最近的研究表明住房消费信贷业务已经成为全球商业银行利润收入最高的贷款业务之一。在房地产信贷业务迅猛发展的同时，也使住房信贷风险逐步成为商业银行经营风险的一个重要方面。
本文对住房信贷风险的形成途径进行了深入的剖析，诸如宏观经济政策调整变化、法制法规不配套、房地产市场体系不健全、产权登记制度不规范、社会监督不力等因素外，主要还揭示了以下几个方面：借款人引发的风险；开发商引发的风险；银行自身引发的风险；借款契约引发的风险；抵押物引发的风险；流动性风险。并提出了相应的解决方法与策略：商业银行应提高认识，理性地开展房地产信贷业务；大力拓宽房地产融资渠道，实现资金来源多元化；要建立高效完备的档案管理体制；建立强制性法律公证制度。银行与客户之间的信贷行为应该受到法律保护，无论借款人愿意与否，这一点必须强制执行，这不但是对银行利益的保证，也是对客户利益的保证；加强住房贷款的风险管理，将防范工作前置、加强贷后管理；注重偿还风险的预测；加强社会道德和信用建设，完善个人征信管理体系。
【关键词】：住房信贷，形成途径，加强管理，加强建设

Along with the economical development and consumption pattern turning to a new generation, inhabitant's expense way also changes in synchronization, "expends by the self- savings lag" transforms "expends ahead of time into the credit support", enters the consumer credit time. The commercial bank in the traditional industry and commerce enterprise loan business foundation, competed day by day for the adaption intense banking industry and meets consumer's need to develop the housing expense credit operation. The housing expense credit is financial organ and so on bank for satisfies the inhabitant to purchase the credit loan service which the housing the demand provides. Follows individual housing expense credit which the housing system reform unceasingly deepens produces, is the social economy development and the bank finance development inevitably choice. According to the recent research indicated the housing expense credit operation already became one of