麻烦您给翻一下吧 不要机翻的 我的英语太差了 中德住房储蓄银行的英文是Sino-German Bausparkasse“先存后贷,利率固定,专款专用,封闭运作”这些独特特性决定了住房储蓄产品所具有的重要作用

麻烦您给翻一下吧 不要机翻的 我的英语太差了 中德住房储蓄银行的英文是Sino-German Bausparkasse“先存后贷,利率固定,专款专用,封闭运作”这些独特特性决定了住房储蓄产品所具有的重要作用
麻烦您给翻一下吧 不要机翻的 我的英语太差了 中德住房储蓄银行的英文是Sino-German Bausparkasse
“先存后贷,利率固定,专款专用,封闭运作”这些独特特性决定了住房储蓄产品所具有的重要作用：1 ）抑制通货膨胀的同时,促进国民经济的发展.“先存后贷”将那些本来要用于短期存款形式或用于眼前消费目的的资金集中到了长期的住房储蓄资金中,配贷资金 ( 存款加贷款 ) 的“专款专用”,限定了住房储蓄资金只能用于住房目的,又将这些短期资金转化为长期投资,由此减少了短期货币市场对通货膨胀的影响,而“封闭运作”又决定了用于贷款的资金仅来源于那些事先为购房而积累起来的资金,不会造成国家增发货币量.此外,通过将住房储蓄积累起来的资金不间断的投入到住宅产业经济中去,会带动相关产业的发展并可提供相当多的就业机会,从而促进国民经济的发展.2 ）在不增加政府负担的前提下,改善居民的居住条件,促进社会稳定.“居者有其屋”是政府为之努力的目标之一.住房储蓄为老百姓提供了一种安全、可靠的住房金融工具,通过将自有资金的积累和融资手段有机结合的方式,刺激个人为住房积累资金从而使其有能力进行住房投资,这样做不仅能够改善居民自己的居住条件,也能够减轻国家建设住房的繁重任务和负担.因此,能够向社会提供集经济效益和社会效益为一体、促进经济和社会朝着良性循环方向发展的住房储蓄产品,是中德住房储蓄银行的骄傲,也铸定了中德住房储蓄银行所从事事业的高尚属性.
住房储蓄对公业务
住房储蓄对公业务,即住房储蓄团体及公司业务,是指企业为员工购买中德住房储蓄银行的住房储蓄合同,并按月为员工存储一定数额的住房积金,到达规定条件后,该员工就可申请住房储蓄贷款,享受固定低息的住房贷款权利.
产品优势：1能够帮助企业完善、提升人员激励机制,提高企业人才战略水平.对于员工福利完善或相对匮乏的企事业单位均可通过建立住房储蓄福利体系有效提升企业的人才战略水平,通过特色的住房福利机制帮助企业选人、用人、留人.雇主为员工进行住房储蓄产品规划,使得员工享受低息贷款权益,从而增加员工对于企业的向心力和忠诚度.
2与住房公积金、补充公积金相比,住房储蓄具有很强的灵活性.在进入或退出方面,单位可以根据自身的业绩发展情况,随时选择进入或推出住房储蓄体系；在缴存基数方面,单位可以根据内部福利及人员激励政策有区别的为员工交存不同额度的住房储蓄,银行没有比例和额度的限定；在缴存方式方面,单位可以根据自身情况选择性存款、不规律性存款和一次性存款三种方式；在账户余额的提取方面,员工可以根据资金使用需要,通过对住房储蓄合同进行分立、降低、解除等操作.
3 住房储蓄能够为福利投入资金带来附加利益.住房储蓄的贷款利率恒定不变,最大化的节约购房成本,同时住房储蓄贷款作为员工的住房补充福利可以与公积金贷款组合有效扩充购房贷款额度并且节省贷款利息.如果组合后的贷款额度仍不能满足员工购房需求时,我行可为其优先提供商业按揭贷款进行组合.
4 关注员工需求,体现企业人文关怀,增强企事业单位的凝聚力.住房是绝大多数人一生最大的支出,也是绝大多数员工的奋斗目标.企业为员工储蓄住房基金帮其减轻购房压力,这种情感式的激励机制将企业发展与个人奋斗目标连接在一起,作为员工,必然会全身心地投入到企业,这也实现了个人与企业的双赢.
PS 麻烦您快一些

麻烦您给翻一下吧 不要机翻的 我的英语太差了 中德住房储蓄银行的英文是Sino-German Bausparkasse“先存后贷,利率固定,专款专用,封闭运作”这些独特特性决定了住房储蓄产品所具有的重要作用
"Pre-existing loans, fixed rate, earmarking, closed the operation of these unique characteristics of housing savings products have an important role: 1) to curb inflation, while promoting the development of the national economy. "Pre-existing loan of those funds would have to be used for short-term deposits in the form or for immediate consumption purposes to the long-term housing savings, with loan funds (deposits and loans), the" earmarking "qualified housing savings funds can only be used for housing purposes, and in turn these short-term funds into long-term investment, thereby reducing short-term money-market impact on inflation, while the "closed operations" determines the funds for loans only from those in advance for buyers while the accumulated funds will not result in the issuing state the amount of money. Addition, through ongoing housing savings accumulated funds into the economy of the housing industry to go, will lead to the development of relevant industries and provides a considerable number of employment opportunities, thereby contributing to the development of the national economy. 2) The premise does not increase the burden on governments to improve their living conditions, promote social stability. "Home Ownership" is one of the goals of the government worked. Housing savings for the people a safe, reliable housing finance tools, through a combination of the accumulation of its own funds and means of financing to stimulate personal housing accumulation funds so that it has the ability to carry out housing investment, and do so not only can improve the living conditions of the residents own, but also to relieve the arduous task of nation building housing and burden. Thus, the ability to provide the social set of economic and social benefits as a whole, promoting economic and social development of the direction of a virtuous circle of housing savings products, is the pride of the German Housing Savings Bank, also cast given the Sino-German Housing Savings Bank are engaged in the cause of the noble attributes.
Housing savings of the public business
of housing savings of public business, namely the housing savings groups and corporate business, Sino-German Housing Savings Bank for employees to purchase housing savings contract, on a monthly basis for employees to store a certain amount of housing provident fund, arrival within conditions, the employee can apply for housing savings and loan, enjoy the rights of fixed low-interest housing loans.
Product advantages: one can help enterprises to improve and enhance the incentive mechanism, enhance the level of corporate human resources strategy. To enhance the human resources strategy for the perfect employee benefits or relative lack of enterprises and institutions can effectively through the establishment of the welfare system of housing savings, selection and characteristics of the housing welfare system to help businesses, the employer, to keep people. Employers, housing savings product planning, enabling employees to enjoy low-interest loans interests, thereby increasing the cohesion and loyalty of employees for companies.
2 with the housing accumulation fund, supplementary provident fund compared to the housing savings is very flexible. To enter or exit the unit according to their own performance development at any time enter or the introduction of housing savings system; deposit base unit according to the internal welfare and staff incentive policies differentiated deposited with the different amount of housing for employees savings bank is not the limit of the ratio and amount; in the deposit of the way, the units can be based on the selective deposit of their own situation, the irregularity of deposits and one-time deposit of three ways; the extraction of the account balance, employees can use of funds need separation of housing savings contract, reduce, or termination of operations.
The three housing savings can bring additional benefits for the welfare invested. Housing loan interest rates of savings constant, maximize savings in the cost of purchase, while housing savings and loan supplemental benefits as employees of the housing provident fund loan portfolio effectively to expand the amount of home loans and loan interest savings. The combined loan amount can not satisfy the employee housing demand, the Bank of its priority to provide commercial mortgage loan portfolio.
Attention to staff needs, reflecting the corporate humane care, and enhance the cohesion of the enterprises and institutions. Housing is the largest expenditure of the vast majority of people's life, but also the goal of most of the workers. Housing fund for the employee savings to help reduce the purchase pressure this emotional type of incentives to business development and personal goal to connect with employees, there are bound to dedicate themselves to the enterprise, which also achieved a personal and business win-win situation.

"After be being put first, borrow fixed rate, special fund is special, closed operation" these unique features decided the housing savings products is the important role: 1) inflation at the same time...

全部展开

"After be being put first, borrow fixed rate, special fund is special, closed operation" these unique features decided the housing savings products is the important role: 1) inflation at the same time, promote the development of national economy. "After be being put first loan" will be those who was going to be used in the short term deposit form or used in sight of the purpose of consumption centralized fund to long-term housing savings funds, deserve to borrow fund (savings and loan) "earmarking", to limit the housing savings funds can only be used for housing purpose, and will these short-term capital into long-term investment, thus reduce short-term money market to the effect of inflation, and "closed operation" and decided the money to lend for only comes from those in advance for buys a house and the accumulated capital, won't cause issuing state Treasury money. In addition, through the housing saving the accumulated capital uninterrupted into the housing industry in economy, will drive the development of relevant industries and can provide quite a number of jobs, so as to promote the development of national economy. 2) without any increase in the burden of government, under the premise of improve the living conditions of local residents, promote social stability. "Home ownership its house" of the government is one of the goals of the effort. Housing for people savings provide a safe, reliable housing finance tools, through the will of self-capital accumulation and financing methods of the organic combination of way, stimulate individual housing accumulation fund for and the ability to housing investment, it not only can improve the living conditions of residents themselves, also can reduce a state of the housing construction heavy tasks and burden. Therefore, to providing society with economic benefits and social benefits of one body, promote economic and social development in the direction of the benign circulation housing savings products, China is the pride of housing savings bank, also cast set a sino-german housing savings bank are engaged in the noble cause attributes.
Housing savings public business
Housing savings pair of public service, i.e. savings groups and business housing, it is to show the enterprise employees purchase sino-german housing for savings bank's housing savings contract, and press a month for employees storage a certain amount of housing fund, arrived after the prescribed conditions, the employee can apply for loan of housing savings, enjoy the rights of housing loan fixed interest rates low.
Product advantage: 1 can help enterprise improving and promoting personnel incentive mechanism, improve enterprise talent strategy level. For staff welfare perfect or relative lack of enterprise or business the unit can be passed establish housing welfare savings system effective promotes the enterprise the talent strategy level, through the characteristics of housing welfare mechanism to help enterprise person, the personnel, the worker. Employers for employees' housing savings products plan, causes of employees enjoy cheap loans rights, so as to increase staff for the centripetal force and loyalty.
2 and housing accumulation fund, supplement the accumulation fund, compared with the flexibility of the strong housing savings. Enter or exit, the unit can according to its own performance development situation, choose to enter at any time or launched housing savings system; In the capture puts base, the unit can according to internal welfare and personnel incentive policy there is a difference between the deposit amount for the employees of different housing savings, no bank rate and the limited amount; In the capture puts the way, the unit can according to oneself circumstance selective deposit, not regular deposits and one-time deposit three ways; In the extraction of the account balance, the employee can use fund according to need, through to the housing savings contract division, reduce or termination of the operation.
3 housing savings for welfare money can bring additional interest. Housing savings loan interest rate constant, save the maximum of the purchase cost, at the same time housing loan as employees of housing savings benefits can be added with accumulation fund loan portfolios effective expand loans that buy a house and save interest on the loan. If combined loans still cannot meet the pent-up demand employees, we can provide for its first commercial mortgages are combined.
4 employees demand attention, enterprise reflects the humanistic care, enhance the cohesive affinity of the enterprise or business the unit. Housing is the overwhelming majority of the people the whole life be the biggest of spending, also is the most employees's goal. Enterprise for employees for the ease of housing fund savings purchase pressure, this QingGanShi incentive mechanism will enterprise development and personal goal together, as employees, will devote yourself to enterprise, it also realize the win-win situation of individual and enterprise.

收起

"After be being put first, borrow fixed rate, special fund is special, closed operation" these unique features decided the housing savings products is the important role: 1) inflation at the same time...

全部展开

"After be being put first, borrow fixed rate, special fund is special, closed operation" these unique features decided the housing savings products is the important role: 1) inflation at the same time, promote the development of national economy. "After be being put first loan" will be those who was going to be used in the short term deposit form or used in sight of the purpose of consumption centralized fund to long-term housing savings funds, deserve to borrow fund (savings and loan) "earmarking", to limit the housing savings funds can only be used for housing purpose, and will these short-term capital into long-term investment, thus reduce short-term money market to the effect of inflation, and "closed operation" and decided the money to lend for only comes from those in advance for buys a house and the accumulated capital, won't cause issuing state Treasury money. In addition, through the housing saving the accumulated capital uninterrupted into the housing industry in economy, will drive the development of relevant industries and can provide quite a number of jobs, so as to promote the development of national economy. 2) without any increase in the burden of government, under the premise of improve the living conditions of local residents, promote social stability. "Home ownership its house" of the government is one of the goals of the effort. Housing for people savings provide a safe, reliable housing finance tools, through the will of self-capital accumulation and financing methods of the organic combination of way, stimulate individual housing accumulation fund for and the ability to housing investment, it not only can improve the living conditions of residents themselves, also can reduce a state of the housing construction heavy tasks and burden. Therefore, to providing society with economic benefits and social benefits of one body, promote economic and social development in the direction of the benign circulation housing savings products, China is the pride of housing savings bank, also cast set a sino-german housing savings bank are engaged in the noble cause attributes.
Housing savings public business
Housing savings pair of public service, i.e. savings groups and business housing, it is to show the enterprise employees purchase sino-german housing for savings bank's housing savings contract, and press a month for employees storage a certain amount of housing fund, arrived after the prescribed conditions, the employee can apply for loan of housing savings, enjoy the rights of housing loan fixed interest rates low.
Product advantage: 1 can help enterprise improving and promoting personnel incentive mechanism, improve enterprise talent strategy level. For staff welfare perfect or relative lack of enterprise or business the unit can be passed establish housing welfare savings system effective promotes the enterprise the talent strategy level, through the characteristics of housing welfare mechanism to help enterprise person, the personnel, the worker. Employers for employees' housing savings products plan, causes of employees enjoy cheap loans rights, so as to increase staff for the centripetal force and loyalty.
2 and housing accumulation fund, supplement the accumulation fund, compared with the flexibility of the strong housing savings. Enter or exit, the unit can according to its own performance development situation, choose to enter at any time or launched housing savings system; In the capture puts base, the unit can according to internal welfare and personnel incentive policy there is a difference between the deposit amount for the employees of different housing savings, no bank rate and the limited amount; In the capture puts the way, the unit can according to oneself circumstance selective deposit, not regular deposits and one-time deposit three ways; In the extraction of the account balance, the employee can use fund according to need, through to the housing savings contract division, reduce or termination of the operation.
3 housing savings for welfare money can bring additional interest. Housing savings loan interest rate constant, save the maximum of the purchase cost, at the same time housing loan as employees of housing savings benefits can be added with accumulation fund loan portfolios effective expand loans that buy a house and save interest on the loan. If combined loans still cannot meet the pent-up demand employees, we can provide for its first commercial mortgages are combined.
4 employees demand attention, enterprise reflects the humanistic care, enhance the cohesive affinity of the enterprise or business the unit. Housing is the overwhelming majority of the people the whole life be the biggest of spending, also is the most employees's goal. Enterprise for employees for the ease of housing fund savings purchase pressure, this QingGanShi incentive mechanism will enterprise development and personal goal together, as employees, will devote yourself to enterprise, it also realize the win-win situation of individual and enterprise. 采纳吧！

收起