| 1. | The code first came into operation on 27 november 1998 . it regulates the use of recorded information relating to an individual s credit transactions , with exemption for those for commercial purposes
守则在一九九八年十一月二十七日首次实施，对记录下来的个人信贷交易资料作出规管，但作商业用途的有关资料则获豁免，不在管限之列。 |
| 2. | Since the end of 1970 ' s , the extent to which the credit market runs according to market rules has been improving , but the special characters of china ' s credit market in the transformation process of economic regime also exist
改革开放以来，中国信贷交易的市场化程度已经大大提高，但信贷市场在经济转型时期的一些特征仍然存在。 |
| 3. | For these reasons , when dealing with the financial institutions the consumers is in need of legal assistance . so how to protect the rights and interests of the consumers is the main purpose of the thesis
在住房消费信贷交易的整个过程中，应对消费者提供法律上的积极支援，从而真正保证交易的公正性，以维持住房消费信贷交易的正常秩序。 |
| 4. | The code first took effect on 27 november 1998 . it regulates the use of recorded information relating to an individual s credit transactions consistent with the requirements of the personal data ( privacy ) ordinance ( " the ordinance " )
守则首次在一九九八年十一月二十七日生效，对与个人信贷交易有关的记录资料的使用作出规管，以确保符合《个人资料(私隐)条例》的规定。 |
| 5. | During the course of housing consumer credit transactions , in some aspects , such as the terms of transaction , credit investigations , the contract , credit guarantees and insurance , there are many problems which have made damages to the consumers
住房消费信贷交易中存在着许多消费者权益受损的情况，主要包括交易条件不易比较、信用调查的方式不当、交易方式不当以及担保和保险的处理方式不当。 |
| 6. | But in the reality credit trade activity , information is the asymmetrical distribution between credit contract parties - bank and loan enterprise . the non walrasian equilibrium is appeared in the credit contract market . the loan rate of interest can not make both sides that capital supply and demand realize the equilibrium under this kind of circumstances , and the credit market can not reach voluntarily cleaning , namely credit c
但是在现实的信贷交易活动中，交易信息在合约当事人双方之间的分布是非对称的，在这种情况下，信贷市场呈现出一种非瓦尔拉斯均衡状态，贷款利率不能使得资金供求双方实现均衡，市场不能够自动出清，即信贷市场处于一种数量配额的短边均衡? ? “信贷配给”状态。 |
| 7. | Consequently , in order to improve the mechanisms of china ' s acm as well as to enhance its efficiency , it is essential that ( 1 ) to integrate china ' s acms separated in all of the country ; ( 2 ) to construct agricultural credit information system and to reform land market institutes ; and ( 3 ) to reconstruct china ' s agricultural credit system , especially , to reform the institutions of rcc and enlarge the scale of adbc ' s agricultural policy credit . the main innovation points in this thesis are as the following
因此，为了改善中国农业信贷市场的运行机制，提高中国农业信贷市场效率及其对中国农业产出的绩效，必须积极培育和发展农业信贷市场，并通过地区间农业信贷市场的整合来推动各地农业信贷市场的均衡发展，建立统一协调的农业信贷市场；必须建立农户信用信息体系，降低农业信贷交易成本；改革农村耕地使用权流转机制，建立耕地使用权交易市场，适时发展农村土地金融制度；加快对农村信用社的改革，并扩大农业政策性信贷的范围和规模。 |
| 8. | Personal credit institution results in lowering the transaction cost of consumer credit , and provides the commercial banks for developing consumer credit with the institution condition for assessing the borrowers , exerting credit monitor and controlling the risk of the consumer credit through the sharing mechanism of the personal credit information and the punishing mechanism of it to the defaulter
个人信用制度的作用在于降低消费信贷交易成本，并通过个人信用信息共享机制和对违约者的惩戒机制，为商业银行发展消费信贷提供评估借款人、实施信贷监管和控制消费信贷风险的制度基础。 |
| 9. | The code regulates the use of recorded information relating to an individual s credit transactions except those for commercial purposes . it aims to ensure that the handling of personal data by credit reference agencies is fair and in line with the requirements of the personal data ( privacy ) ordinance
除作商业用途的资料外，守则对记录下来的个人信贷交易资料作出规管，目的是要确保信贷资料服务机构以公平及符合《个人资料(私隐)条例》规定的手法处理个人资料。 |
