Question

英文翻译~高分求助达人~~急~~

随着我国住房制度改革的不断深化，城镇居民购房热情的不断升温，住房金融业务得到了迅速发展。个人住房贷款业务以其担保可靠、收益较高、风险易控等特点，倍受银行业的青睐。随着该项业务贷款占比日益增加，个人住房贷款业务已成为我国商业银行主要信贷品种之一，对于完善商业银行资产结构和提高经营效益的作用也越来越突出。然而，在发展过程中，随着业务规模的迅速扩大，潜在的问题和风险却开始逐步显露。个人住房贷款业务一方面具有对象众多、范围较广、流动性差、期限较长等业务自身风险特征，另一方面由于基础设施建设落后，个人征信系统有待完善等外部因素，风控机制欠缺应有的力度；加之一些市场原因，个人住房贷款业务给商业银行带来了一定程度的风险隐患，并以信用风险为主要表现形式。有鉴于此，本文拟根据我国商业银行开办个人住房贷款业务的实际情况，结合某商业银行风险管理的个案分析，试探析该项业务所面临的金融风险现状及成因；指出了我国商业银行个人住房贷款主要面临的风险是信用风险；并针对于风险防范、化解措施进行了初步探索，提出了完善风险的管理策略。以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。

Answer 1

With the deepening of the reform of the system of housing and urban house warm, housing finance business have developed rapidly. Personal housing loan business by its earnings, reliable guarantee high risk, etc, to control the favour of banking industry. As the business loans accounted for more than increasing, personal housing loan business has become China's commercial Banks, one of the major credit varieties of commercial Banks to improve operation efficiency and improve the assets structure is more and more outstanding effect. However, in the process of development, with the rapid expansion of business scale, the potential problems and risks but began gradually revealed. Personal housing loan business with many objects on a wider range, poor liquidity, long term business risk characteristics, on the other hand because infrastructure backwardness, personal credit system needs to improve the external factors, such control mechanism, lack of power, And some of the market, individual housing loan business for commercial Banks to bring a certain degree of risks in credit risk, and as the main form. In view of this, this paper according to our country commercial bank open individual housing loan business situation of a commercial bank risk management of case study, the paper try facing the business situation and cause of the financial risks, Pointed out that our country commercial bank individual housing loan is the main risks in credit risk, Aiming at risk, resolving measures were discussed, and puts forward some strategies for risk management. This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.

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Answer 2

Along with the deepening housing reform, urban residents purchase warm's rise in housing finance business has been growing rapidly. Individual housing loan business with its guarantees reliable, high yield, risk control and so easily, greatly favored by the banking industry. With the increasing proportion of the business loans, individual housing loan business has become one of commercial banks major credit Pinzhong, Duiyu of Commercial Bank Zichan structure and improve operational efficiency De Zuo Yong Yue Laiyue also prominent. However, in the development process, with the rapid expansion of business scale, potential problems and risks are gradually revealed. Individual housing loan business with many subjects, on the one hand, broader, poor mobility, long duration of Deng business Zishen Fengxiantezheng, on the other hand behind their infrastructure, personal credit Jitongyoudai Wan Shan and other external factors, risk control mechanism should Qianque Some efforts; coupled with some market reasons, individual housing loans to commercial banks a certain degree of potential risk and credit risk as the main form. This paper tries to commercial banks under our personal housing loans business start-up situation, combined with a commercial bank risk management case analysis, test of the financial risk faced by business status and causes; that individual housing of Chinese commercial banks major credit risk is credit risk; and for the risk prevention, and resolve to conduct a preliminary exploration of measures put forward a sound risk management strategy. Commercial Bank of China on this perfect individual housing loan risk management system to provide a reference value.

Answer 3

你在百度中搜英汉互译就有很多工具出来，你可以自己查一下。或者你可以边自己译边借鉴网上的工具。（我在这里就不复制粘贴了，呵呵）

Answer 4

Along with our country housing system reform's unceasing deepening, the township dwellers bought homes the warm unceasing elevation of temperature, the housing finance service obtained the rapidly expand. Individual mortgage service is reliable by its guarantee, the income is high, characteristics and so on risk Yi Kong, time banking industry's favor. Occupies along with this service loan compared to increases day by day, individual mortgage service has become one of our country Commercial bank main credit varieties, is also getting more and more prominent regarding the consummation Commercial bank assets structure and the enhancement effectiveness of operation's function. However, in the developing process, along with the service scale's rapid expansion, the latent question and the risk actually starts to reveal gradually. Individual mortgage service has the object to be numerous at the same time, the scope is broad, the fluidity to be bad, the deadline is long and so on service own risk characteristics, on the other hand as a result of the infrastructural facilities backwardness, drafts the letter system to wait for personally consummating and so on external factor, the wind controls the mechanism to be short of the proper dynamics; Adds some market reason, individual mortgage service has brought the certain extent risk hidden danger for the Commercial bank, and take credit risks as main manifestation. Taking this into consideration, this article plans according to our country Commercial bank to set up individual mortgage service the actual situation, unifies some Commercial bank risk management the case analysis, the probe analyzes the financial risk present situation which and the origin this service faces; Had pointed out our country Commercial bank individual mortgage mainly faces the risk is the credit risks; And aimed in the risk guard, the melt measure has carried on the desk study, proposed the consummation risk management games. Consummates individual mortgage risk management system take this as our country Commercial bank to provide certain reference significance.