贷款信托

这种做法通常涉及对信托公司的贷款，信托公司将这些贷款再包装成所谓的银行间资产。

The process typically involves loans to trust companies wealth-management companies that are the biggest nonbank lenders in China that are then repackaged as so-called interbank assets .

美国已建立起了以房地产抵押贷款和信托投资基金为主，以房地产夹层融资、企业债券为辅的多元化房地产企业融资渠道。

The United States has established the diversified financing channel consisted by the real estate mortgage and trust-based investment funds mainly , and the real estate mezzanine finance and the corporate bonds .

一些信托公司在利息相对很高时以固定利率获得贷款，这些信托公司便包括爱丁堡信托与merchants。

Some trusts took out loans at fixed rates when interest rates were a lot higher these include Edinburgh investment trust and merchants .

由于监管者担心形成泡沫而削减了银行对这个领域的贷款之后，信托公司已经成为今年房地产发展的重要参与者。

Trusts have also become a major player in property development this year , after bank lending to the sector was curtailed by regulators wary of a bubble forming .

银行本身则利用监管不那么严格的机构，把贷款出售给信托公司，再由信托公司将贷款切割发放给客户，由此将贷款从银行的资产负债表上转移出去。

Banks themselves take advantage of less regulated institutions , shifting loans off their balance sheets by selling them to the trust companies , which slice them up and distribute them to their clients .

我国的房地产信托市场近年来步入快速发展时期，大量发行的房地产信托普遍采用了信托贷款、股权信托和优先收益权等模式。

REITs market of our country steps into the fast developing period in recent years , a large number of issued REITs has generally adopted the trust loan , stock right trust , preferential aut fructus and other modes .

这促使银行减少了发放给特定产业的贷款，而类似信托贷款之类的其他融资渠道的增长也已趋缓。

As a result , banks have cut back on lending to certain sectors and the growth of alternative funding channels such as trust loans has slowed .

据此，提出我国房地产多元化融资在近期内应选择银行贷款+房地产信托和银行贷款+房地产投资基金两种模式。

On this basis , it is proposed that these two models of " banking loans + real estate trust " and " banking loans + real estate investment fund " should be chosen as their diversified short-term financing alternatives .

银行已习惯于向信托公司分配小规模贷款业务，甚至将不良贷款转手给信托公司，后者再把不良贷款打包成投资产品，出售给散户投资者。

Banks have taken to distributing trust-company loans in bite-sized packages and even to offloading non-performing loans to trusts , which package them into investment products for sale to retail investors .