個人住宅融資の英語

そこで、可処分所得に加えて、住宅資産（住宅価格）と金融資産（株価）が個人消費に与える影響を見てみると17、住宅価格が1％増加すると消費は0.2％増加するのに対して、株価は0.05％の増加と住宅価格の4分の1の効果にとどまっていることが分かる（第1-2-21図）。例文帳に追加

Accordingly, in addition to disposable income, if we look at the effects of housing assets (housing prices) and financial assets (stock prices) on personal consumption17, we can see that, whereas a 1% increase in housing prices results in consumption increasing by 0.2%, a similar increase in stock prices results in only a 0.05% increase, that is, the effect is only one quarter that of housing prices (see Figure 1-2-21). - 経済産業省

上述のように今回の投資拡大の過程で不動産開発向け、個人住宅ローン向け融資の急増によって銀行融資の中長期貸出比率が急速に高まった一方で、短期貸出比率は低下している。例文帳に追加

As previously described, the medium to long-term lending rate of bank loans rose sharply due to the surge in loans for property development and individual housing in the process of expanding investment, while the short-term lending rate is falling. - 経済産業省

また、今回の投資拡大の中で、銀行が不動産開発向け及び個人の住宅・自動車ローン向け等の融資を急増させたが、特に不動産開発向け融資については銀行審査が不十分な下に行われた可能性もあり、今後の景気動向や不動産市場の動向によっては、新たな不良債権の発生が懸念されている。例文帳に追加

Amidst expanding investment, banks sharply increased loans for purposes including property development, individual housing and automobiles, but there is a possibility that loans especially for property development were provided under inadequate bank inspections. Depending on future trends in the economy and property market, there is a concern that new non-performing loans will be generated. - 経済産業省

政府においても、急激に高まる不動産開発向け及び個人住宅向け融資状況を見て、2003年６月以降、不動産向け貸出規制の強化、土地管理強化、2004年10月には９年ぶりの金利引き上げ等一連の投資抑制策を実施しているものの、顕著な効果が出ているとは言い切れない。例文帳に追加

Looking at the situation in the government concerning loans for property development and individual housing, both of which are rapidly increasing, even though a series of measures to curb investment including reinforcing regulations on loans for property and land management have been taken since June 2003, and interest rates were raised for the first time in nine years in October 2004, it can hardly be said that these measures have had significant effects. - 経済産業省

次に、お尋ねの中小企業向け融資につきましては、これは円滑な金融仲介機能の発揮というところで考え方を示しているものでございますが、健全な事業を営む中小企業等の融資先に対する円滑な資金供給は金融機関の最も重要な役割の一つであるとの認識の下、現下の厳しい経済情勢等を踏まえまして、一つは、中小企業・個人、これは住宅ローンを含みますが、こういったものに対する円滑な金融仲介への対応、2点目は、中小企業に相応しい金融手法の提供、3点目は、中小企業等の債務者に対するきめ細かい実態把握と適切なリスク管理、これを検査重点事項としているところでございます。例文帳に追加

As for loans to SMEs, we made clear our stance regarding such loans in the section on the Basic Policy and Plan for Financial Inspections that concerns the exercising of the financial intermediary function. We have set forth three priority inspection items regarding loans to SMEs in light of the current difficult economic situation and based on our recognition that ensuring the smooth provision of funds to SMEs with sound business operations is one of the important roles that financial institutions should play. The first is whether financial institutions ensure smooth financing for SMEs and individuals, including housing loans, the second is whether they are providing financing arrangements suited to SMEs, and the third is whether they are making conscientious efforts to grasp the actual condition of SME borrowers and conducting appropriate risk management.発音を聞く  - 金融庁