Federal Home Loan Bank Board

简明释义

联邦住房贷款银行委员会,联邦住宅贷款银行委员会 ［美国］

英英释义

例句

1.The policies set by the Federal Home Loan Bank Board 联邦住房贷款银行委员会 have a significant impact on mortgage rates.

由Federal Home Loan Bank Board 联邦住房贷款银行委员会制定的政策对抵押贷款利率有重大影响。

2.During the housing crisis, the Federal Home Loan Bank Board 联邦住房贷款银行委员会 played a crucial role in stabilizing the market.

在住房危机期间，Federal Home Loan Bank Board 联邦住房贷款银行委员会在稳定市场方面发挥了关键作用。

3.Homebuyers often seek information about the programs offered by the Federal Home Loan Bank Board 联邦住房贷款银行委员会.

购房者通常会寻找有关Federal Home Loan Bank Board 联邦住房贷款银行委员会提供的项目的信息。

4.Many financial institutions rely on the guidelines from the Federal Home Loan Bank Board 联邦住房贷款银行委员会 to ensure compliance.

许多金融机构依赖于Federal Home Loan Bank Board 联邦住房贷款银行委员会的指导方针以确保合规。

5.The Federal Home Loan Bank Board 联邦住房贷款银行委员会 regulates the lending practices of member banks.

Federal Home Loan Bank Board 联邦住房贷款银行委员会监管会员银行的贷款实践。

作文

The Federal Home Loan Bank Board was established in 1932 as a response to the financial crisis of the Great Depression. Its primary purpose was to regulate the Federal Home Loan Bank System and to support the nation's housing finance system. The Federal Home Loan Bank Board played a crucial role in providing liquidity to savings and loan institutions, which were essential for mortgage lending. By ensuring that these institutions had access to funds, the board helped stabilize the housing market during a time of economic turmoil.In the decades following its establishment, the Federal Home Loan Bank Board was instrumental in promoting home ownership across the United States. It developed policies that encouraged lending practices and made it easier for families to secure mortgages. This was particularly important after World War II, when there was a surge in demand for housing as soldiers returned home and started families.However, the Federal Home Loan Bank Board faced challenges over the years, especially during times of economic instability. The savings and loan crisis of the 1980s highlighted some of the weaknesses in the regulatory framework that governed these institutions. As a result, Congress enacted reforms to strengthen oversight and improve the safety and soundness of the banking system.In 2008, the Federal Home Loan Bank Board was dissolved as part of a broader restructuring of financial regulatory agencies in the wake of the financial crisis. Its functions were transferred to the Office of Thrift Supervision, which was later absorbed into the Office of the Comptroller of the Currency. Despite its dissolution, the legacy of the Federal Home Loan Bank Board continues to influence housing finance policy today.Understanding the role of the Federal Home Loan Bank Board is essential for anyone interested in the history of American housing finance. The board's efforts to promote home ownership and stabilize the housing market have had lasting impacts on the economy and the lives of countless individuals and families. Furthermore, the lessons learned from its successes and failures serve as valuable insights for current policymakers as they navigate the complexities of housing finance in an ever-changing economic landscape.In conclusion, the Federal Home Loan Bank Board was a pivotal institution in the development of the U.S. housing finance system. Its contributions to promoting home ownership and stabilizing the financial sector during crises cannot be overstated. By studying the history and impact of the Federal Home Loan Bank Board, we can better understand the evolution of housing policy in America and the ongoing challenges that lie ahead.

联邦住房贷款银行委员会（Federal Home Loan Bank Board）成立于1932年，旨在应对大萧条时期的金融危机。其主要目的是监管联邦住房贷款银行系统，并支持国家的住房融资体系。Federal Home Loan Bank Board在为储蓄和贷款机构提供流动性方面发挥了至关重要的作用，这些机构对于抵押贷款的发放至关重要。通过确保这些机构能够获得资金，该委员会帮助在经济动荡时期稳定了住房市场。在建立后的几十年里，Federal Home Loan Bank Board在促进美国家庭拥有住房方面发挥了重要作用。它制定了鼓励贷款实践的政策，使家庭更容易获得抵押贷款。这一点在第二次世界大战后尤为重要，因为随着士兵回国并组建家庭，对住房的需求激增。然而，Federal Home Loan Bank Board多年来面临挑战，尤其是在经济不稳定时期。1980年代的储蓄和贷款危机突显了管理这些机构的监管框架中的一些弱点。因此，国会通过了改革措施，以加强监管并改善银行系统的安全性和稳健性。2008年，Federal Home Loan Bank Board作为金融危机后金融监管机构的广泛重组的一部分被解散。其职能被转移到储蓄监督办公室，后者又被纳入货币监理办公室。尽管该委员会已解散，但Federal Home Loan Bank Board的遗产继续影响着今天的住房融资政策。理解Federal Home Loan Bank Board的角色对于任何对美国住房融资历史感兴趣的人来说都是至关重要的。该委员会促进家庭拥有住房和稳定住房市场的努力对经济以及无数个人和家庭的生活产生了持久的影响。此外，从其成功与失败中获得的经验教训为当前政策制定者在应对不断变化的经济环境中的住房融资复杂性提供了宝贵的见解。总之，Federal Home Loan Bank Board是美国住房融资体系发展中的一个关键机构。其在促进家庭拥有住房和在危机期间稳定金融部门方面的贡献不可低估。通过研究Federal Home Loan Bank Board的历史和影响，我们可以更好地理解美国住房政策的发展及其面临的持续挑战。