英语翻译求各位高手帮忙把下面这篇文章翻译成英文!越快越好!1重谢!美国次债危机对中国MBS实践的启示摘要:2001年以来

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英语翻译
求各位高手帮忙把下面这篇文章翻译成英文!越快越好!1重谢!
美国次债危机对中国MBS实践的启示
摘要:2001年以来美国次级抵押贷款市场进入了蓬勃发展的时期,利率降低和金融创新产品的使用降低了次级抵押贷款市场的门槛,许多贷款机构为了抢占市场份额进行违规操作.同时,为了解决银行融资结构以及资金流动性问题,次级抵押押款支持债券,简称“次债”,应运而生.次债将本应该由银行承担的信用风险分散于保险机构,担保机构,投资人,但是也将风险扩大到各个行业.随着美国房地产市场的降温,贷款机构的违规行为将抵押贷款的借款人、放贷者、保险机构,以及次债的投资人都暴露在2006年以来房地产价格下跌、违约率上升的系统风险之中.前不久美国级债危机终于爆发,给全球的金融市场敲响了风险的警钟.
随着中国经济的高速增长和住房金融体制改革的不断深化,刺激了中国住房抵押贷款的快速增长,带动了房地产市场的繁荣.但是由于中国资本市场发展的相对滞后和相关法规的不完善,住房抵押贷款支持证券(Mortgage-backed Securities,简称MBS),没有得到推广.这不仅制约了中国住房金融体系的完善,也造成了银行资产流动性不足和信用风险集中的问题.在中国住房金融体制改革不断深化的条件下,中国MBS的实践显得尤为重要.美国的次债危机对中国MBS实践过程中风险防范有巨大的借鉴作用.本题试图从宏观经济、政策导向、政府 监管、金融机构社会责任,以及借款人风险防范的角度分析美国次债危机的爆发原因,探讨中国MBS实践中存在的潜在风险,并提出应该注意的若干问题.
关键词:次债券 风险 MBS
1个回答 分类:英语 2014-10-03

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American inferior debt crisis to Chinese MBS practice enlightenment
since 2001 the American overlying mortgage loan market has entered the vigorous development time,the interest rate reduced with the financial innovation product use reduced the overlying mortgage loan market threshold,many lending institutes to seize the market share to carry on the contrary operation.At the same time,to solve the bank financing structure as well as the fund fluid question,the overlying mortgage mortgage support bond,the abbreviation “the inferior debt”,arises at the historic moment.The inferior debt will be originally supposed the credit risks which undertakes by the bank to disperse in the Arming device,the guarantee organization,the investor,but also expands the risk to each profession.Since along with the US real estate market's temperature decrease,lending institute's illegal activities mortgage loan's borrower,the moneylender,the Arming device,as well as the inferior debt's investors will have exposed in 2006 real estate recession in price,in the violation rate rise system risk.Little while ago the American level debt crisis finally erupted,has sounded the risk alarm for the global money market.
Along with the Chinese economy's fast growth and the housing reform of monetary system's unceasing deepening,has stimulated the China home mortgage loan swift growth,has led real estate market prosperous.But is imperfect as a result of the China capital market development's relative lag and the related laws and regulations,the home MBS ,has not obtained the promotion.Not only this has restricted the Chinese housing financial system's consummation,also has created the bank asset fluid insufficiency and the credit risks centralized question.Deepens unceasingly in the Chinese housing reform of monetary system under the condition,the Chinese MBS practice appears especially important.US's inferior debt crisis the risk guard has greatly to the Chinese MBS practice process in profits from the function.The main subject attempts from the macro economic,the policy guidance,the government supervision,the financial organ community responsibility,as well as the borrower risk guard's angle analyzes the American inferior debt crisis's eruption reason,discusses potential risk which in the Chinese MBS practice exists,and proposed should pay attention certain questions.
次债券 Inferior bond
风险 risk
MBS MBS
 
 
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