浅析按揭贷款房产档案管理

为有效实施国家房屋按揭贷款制度,使国之惠民用之于民,方法只有高度重视对个人住房按揭贷款的风险管理,建立健全按揭贷款房产档案,确保其完整安全,才能发挥按揭贷款房产档案的应有作用。     

房屋按揭纠纷若干法律问题浅析

房屋按揭自九十年代末以来在我国在沿海经济发达地区发展起来,进而向内地推进,逐步变成了我国房地产业融资发展的一条重要渠道。目前,我国绝大多城市银行相继开展了商品房按揭业务,但在我国目前任何一个全国性适用的规范性法律文件中均没有出现"按揭"这两个字,导致了在解决按揭纠纷时法律适用的复杂化。     

浅谈完善破产管理人制度

一、破产管理人制度概述 破产管理人制度是当前许多国家在破产法律制度中采纳的一项非常重要的法律制度,在破产案件中,破产财产的清理、处置变价、分配等具体工作都直接关系到债权人、债务人以及其他利害关系人的切身利益1。我国原来的破产事务主要由政府组成的清算组来承担的,这种机制不专业化,带有政府干预的色彩,具有很强的弊端。     

浅谈对人民调解工作的认识

人民调解制度是一项具有中国特色的解决民间纠纷的法律制度,有助于解决一些社会矛盾纠纷,减轻司法机关的压力,更好的承担社会责任,在维护社会稳定方面发挥着十分重要的作用。但在工作实践中,人民调解制度在法律地位、工作范围、调解效力、人员素质等方面仍然存在着很多需要亟待完善的地方。本文结合现实工作分析人民调解制度的作用及存在的问题等,并提出相应措施,为进一步探讨这一中国特色的民间纠纷解决机制起到抛砖引玉的作用。     

浅谈对人民调解工作的认识

人民调解制度是一项具有中国特色的解决民间纠纷的法律制度,有助于解决一些社会矛盾纠纷,减轻司法机关的压力,更好的承担社会责任,在维护社会稳定方面发挥着十分重要的作用。但在工作实践中,人民调解制度在法律地位、工作范围、调解效力、人员素质等方面仍然存在着很多需要亟待完善的地方。本文结合现实工作分析人民调解制度的作用及存在的问题等,并提出相应措施,为进一步探讨这一中国特色的民间纠纷解决机制起到抛砖引玉的作用。     

省地方志办支援平远县灾后重建

今年6月14日和22日,梅州市平远县连续遭受两场超过百年一遇特大洪灾,共造成6人死亡,9万多群众受灾,倒塌房屋301户1645间,直接经济损失7.79亿元。平远县方志办2名干部职工房屋受浸,直接经济损失3万多元,挂钩扶贫村泗水镇大新村受灾严重。     

城市房屋拆迁补偿的法律问题研究

针对目前国内城市房屋拆迁补偿的法律制度的不完善状况,相关部门必须采取有效措施进行整改,维护人民群众的利益。本文就城市房屋拆迁补偿中的法律问题进行分析,并提出相应的整改措施,以期给相关部门改进工作以有益借鉴。     

解放初期武汉房屋的状况与修缮

<正>武汉解放初期百废待举,许多房屋年久失修,政府着手开展修缮工作,大力解决“房荒”问题。1957年前后,武汉市房地产管理局（以下简称武汉房地局）系统调查了全市房屋的历史形成状况,对年代久远的建筑进行分类,建立完善房屋修缮保养制度,延长房屋保固年限、改善市民居住条件。这些60多年前的资料,对于今天历史建筑的修缮保护,仍具有参考价值。     

不做房奴，做霍比特人

“我们都需要一个温暖而安全的居所,”丹·普莱斯（DanPrice）承认,可这是否就意味着“我们永远无法摆脱无尽的按揭贷款和房租账单？”大多数现代人会无奈点头,而普莱斯说,不,只耍你愿意住个小地方,比如,挖个地洞。     

试论城市房屋征收与补偿制度的发展与完善

城市房屋征收（拆迁）是在土地所有权与房屋所有权分离的基础上建立的一项制度,由于我国城市房屋拆迁补偿制度一直存在着很多不足,暴力强拆、暴力抗拆、上访事件不绝于耳,由房屋拆迁引发的各种矛盾错综复杂。本文从城市房屋征收补偿含义入手,分析所存在的问题,结合我国现阶段房屋征收补偿工作的实际,提出了如何完善我国城市房屋征收补偿制度的几点建议。     

明清文献中的“纸赎”和“纸赎银”

现有著作对明清文献中常见的法律术语＂纸赎＂和＂纸赎银＂的解释多有不妥,这两个词语既与商人抵押借款无关,也不是一般用来赎罪的罚金,而是诉讼费的名称,后来成为官吏科敛的一个名目。     

民国前期长江三角洲农村高利贷问题与土地的流转

民国前期,长江三角洲绝大多数农家的年净余率为零或负数,旧式金融机构已经衰败、新式金融机构尚处襁褓,农村金融枯竭,农民信用缺失,高利贷肆虐其阃,占农村借贷额的70%左右.不愿变卖田地的农家,只能以土地为抵押,举借高利贷,没有失去土地,却向着变卖土地迈出了可怕一步.借贷用于生产投资的些微,利率的高昂,使举债农家还上抵押贷款的可能性极小,为了生存,以抵押为基础,将田地进一步活卖给高利贷者,在一定期限内失去了产权.田赋之外的捐税、借款的消费倾向、高额利率,使农家无力赎回活卖的土地,不得不进一步绝卖,最终失去了土地产权.大致0.51%的土地流转率,单向度的土地流动,说明民国前期长江三角洲土地商品化程度不高,仍处在前市场阶段.     

晚明商人借贷的利息率与商业性借贷的发展

商人借贷利息率的高低对商业性借贷的发展有直接的影响。晚明商人借贷的利息率总体上以低于年息36％为多,这一利率既大大低于消费性借贷的利息率,又低于市场平均利息率,一般均在法定利息率的范围之内。虽然商人借贷的利息率相对较低,但在风险机制的作用下,放贷者向商人放贷的积极性不会受到减损。又由于利率较低,商人借贷通常有利可图,因而商业性借贷能够得到发展。     

Mortgage finance and culture

Using a nationally representative sample of 12,344 immigrants from 41 different countries of ancestry living in Spain in 2007, we find that the higher the housing‐loan penetration in the country of ancestry, the higher the likelihood of having a mortgage in Spain. Similarly, the higher the mortgage depth in the country of ancestry, the higher the present value of the monthly mortgage payments. Our results suggest that social norms regarding mortgage finance in the country of ancestry matter in determining immigrants’ mortgage finance in the host country. More specifically, the effect of social norms on the decision to have a mortgage (the extensive margin) and the amount of the mortgage payments (the intensive margin) is about one third and tenth the size of the effect of having a college degree on mortgage debt, respectively. Evidence of strong persistence of culture among those with longer tenure in the host country, those who immigrated as children or young adults, and second‐generation immigrants suggests that vertical transmission of beliefs (from parents to children) is a plausible channel of transmission. Perhaps most importantly, we find that cultural attitudes regarding property rights are most relevant when explaining individuals’ decision to get a mortgage, but those regarding credit information matter most when explaining the amount of the mortgage debt.     

近代跨国华人社会建构的事例分析——1929—1930年新加坡保留民信局与减轻民信邮费全侨大会

本文通过发掘1929—1930年在新加坡发起的保留民信局全侨大会与减轻民信邮费全侨大会的史料,管蠡了近代华人移民的跨国主义现象。维护侨批局生存的斗争表明,侨批局的成功保留与合法地位的确立是由多方面因素共同决定的。跨国华人社团网络的集体力量在维护跨国华人社会的利益上起着重要作用;侨批业具有内嵌于海外华人社会与侨乡社会有机体的性质,与后者有生死攸关的利害关系;在跨国的社会场景下,国家政策的制定与推行演变成了政府与跨国社会相互交涉与协商的过程。     

From 'black‐balling' to 'marking': the suburban origin of redlining in Canada, 1930s–1950s

Redlining occurs where institutional mortgage lending is the norm and where lenders decline to loan in specific areas. The term originated during the 1930s in the United States, where it was promoted by federal agencies and acquired racial connotations. Recently, redlining has been uncommon in Canada, but contemporary reports, archival records and parliamentary debates show it was widespread from the 1930s to the 1950s. Contemporaries distinguished the 'black‐balling' of remote areas, where it was impossible to make loans, from the 'marking' of districts in urban areas where companies could lend but chose not to do so. Only the latter can be regarded as redlining. As defined by Canadian housing agencies, most 'marked' areas were in unregulated, owner‐built suburbs that lacked services. The suburban origin of redlining in Canada had little to do with the distribution of ethnic minorities. As long as it lasted, roughly until the late 1950s, it perpetuated social class diversity in Canadian suburbs.     

晚清铁路外债观初探——以芦汉铁路为中心

在晚清铁路外债举借过程中,洋务官员逐步有了成型的、带有明显思想倾向的外债观,芦汉比国债款交涉是典型的蓝本。其核心是在依赖心理驱动下生成路权与债权交换的主导思想。在体现外资合理性的同时,也暴露出排斥商股、模糊抵押权限、利用外资形式偏执等诸多偏差,表现出近代国人在利用外资上排拒与依赖并存的矛盾心态。     

Economic autonomy and male authority: female merchants in modern Italy

This paper examines the social role of 'mercantesse' (entrepreneuses), women who, in contemporary Italian society, were the owners of manufacturing and trading activities. The first part is dedicated to the legal aspects, with particular reference to the institution of marital authorization and to the various social standing of three very different personae: the female merchant, the partner wife and the merchant-wife. The second part compares the regulatory aspects of this activity with the concrete reality, on the basis of census data and registrations at the Chambers of Commerce. Generally, the trends which come to the fore are unexpected ones, and are characterized by both the recognition of important and not exclusively economic power, as well as the legal, economic and social limits which conditioned not only access to this kind of activity but also the way in which it was carried out.     

A Ship-Master’s House at Faversham,Kent

Abstract

The importance of this town house in a small Kentish river port lies in the survival of both architectural and historical evidence, providing complementary lines of enquiry. During restoration the original plan and the internal arrangements of this late 16th- or early 17th-century house were recorded. From documentary searches the successive owners of the property and their inventories describing the contents of individual rooms were traced.     

城中村遗产价值——公共地理学视角与深圳案例

运用公共地理学方法,讨论城中村的文化遗产价值。文章考察了新老两代村民和四类不同租户构成的核心群体,对于城中村的认知、记忆和情感的差异与代际隔阂。研究发现,以深圳为案例的南方中国的城中村,出现原住民业主被大量外来租户逐步替代、导致传统宗族村落文化难以后继、并从"落脚城市"向"可居社区"成熟转变的发展趋势。城中村的文化遗产被识别为"半村半城"的混合型生活文化、以乡镇企业工业遗存和非正规经济为代表的生产文化、凝结移民草根之奋斗精神的理性文化,以及凸显城中村生命活体的感性文化等四个类型。文章认为城中村文化遗产的价值,需要通过社会（代际）与地域空间的双重尺度提升,在公共地理学讨论平台,达成共识。