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翻译样例: 住房金融在我国的历史现状及发展问题
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本文首先介绍住房金融的概念及在我国的现实运作,阐述我国住房金融的发展历史,分析我国住房金融对我国经济发展的积极意义,并将本文的探讨的住房金融范围定位于个人消费的住房金融商业性经营管理模式。然后从我国住房金融涉及的微观及宏观主体两个角度来探析我国住房金融商业性经营管理中目前面临的问题,同时分析了国外商业性住房金融的经营管理模式,以作参考。本文最后在上述分析和探讨的基础上提出构建我国住房金融商业性经营管理模式的建议。适合我国国情的住房金融商业性管理模式可以概括为:一个多元化的市场主体、多样化的金融工具、系统化的金融服务、法制化的宏观调控的商业性住房金融体系。从微观角度完善住房金融的商业性经营管理模式的建议主要是建立一套有效防范金融风险、服务规范化、手续简便快捷的投融资体系。从宏观角度完善住房金融的商业性经营管理模式的建议主要是政府应调动微观主体积极性,出面完善抵押贷款证券化开展的条件,适度参加住房金融二级市场,通过提供保险、保证来表明政府坚定地处于一种“最终贷款者”的地位,给借贷双方以信心,并为整个融资活动确立规范。

错误译文

The first, introduce the concept of housing finance and its present operating in our country. Recommend the history of our country"s housing finance. Analyses the positive meaning of housing finance to our country"s economical development . focus the study in this paper on commercial housing finance of individual consumer. The second, analyses present existing problem in our country"s housing financial system from the aspect of microcosm and macrocosm respectively. The third, introduce the housing financial mode of the abroad for reference. In the end, combine with the analyse and survey of the above, make suggestions of establishment of our country"s commercial housing financial mode. It can be generalized as: a system with polygonal market body, various financial instrument, systematic financial service and legistative macroscopic regulation. From the aspect of microcosm, to perfecting our country"s commercial housing financial operation and management mode, the main task is that financial organs should constitution a system of avoiding financial risk effectively, having standard service and instrument, brief and short programs. From the aspect of macrocosm, to perfecting our country"s commercial housing financial operation and management mode, the main task is that the government should promote the energy of microcosmic body, perfect the conditions of the mortgage securitism , participate in the second level market , offer insurance and guarantee and take the role of "the last creditor" firmly so as to show the microcosmic body belief, adjust and perfect the whole acts.

修改后译文

In this paper, the concept of housing finance and its present operating situation in China is firstly introduced. Secondly, the history of the housing finance in China is set forth. Thirdly, the positive affects of the housing finance on the economic development in China is analyzed. Fourthly, the housing finance discussed herein is ranked as the commercial operating and managing mode, which is individual-consumption-orientated. Fifthly, the presently existing problems in the housing financial system are probed into from the aspect of microcosm and macrocosm respectively. Sixthly, the operating and managing mode for the commercially housing finance abroad is analyzed for reference. Finally, on a basis of the analyses and discussion mentioned above, some suggestions on establishing the commercial housing financial mode in China are put forward. As the one meets national conditions in China, it can be generalized as: a system with polygonal market body, diversified financial tools, systematically financial services and legislative macroscopic regulations. Seen from the aspect of microcosm, the main task to perfect the operating and managing mode for the commercially housing finance is to constitution a financing system by financial organs to: ⅰavoid financial risks effectively; ⅱstandardize services; ⅲ simplify procedures. Seen from the aspect of macrocosm, the main task for the government is to:ⅰpromote the initiative of the microcosmic body; ⅱperfect the conditions for the mortgage securitization; ⅲ participate in the second level market for the housing finance peoperly; ⅳ offer insurance and guarantee and display its solid position as "the last creditor" so as to show the microcosmic body belief and further adjust and perfect the whole acts.