The forth part is about policy suggestions , first is from the aspect of scale , and absolute index and comparative index are recommended , second is from the aspect of national debts investment structure , and it suggests the basic equipment , education , and structure of industries should be emphasized 第四章是政策建议，首先是规模方面，有绝对量指标和相对量指标；其次是国债投资结构方面，应注重基础设施、教育、产业结构升级等方面的建设。
The investment of treasury bonds in construction of major projects and projects urgently needed by society will not only help stimulate economic growth and expand new sources of revenue , but also help us pool resources of all sides for accomplishing large undertakings and improve the results of all investments 用国债投资进行重要的和社会急需项目的建设，不仅有利于促进经济增长和培植财源，而且有利于集中力量办大事，充分发挥各方面资金的使用效益。
To realize this purpose , it requires studying the relationship between national debts and gdp as well as the concrete performance of them , and by the concrete analysis it gets the specific situation of every city about the national debts investment and gives some evaluation to them 为了实现这个总目的，要研究国债投资与国内生产总值的关系和这种关系在我国的具体表现，并通过主成分分析，得到各个地区国债投资的具体情况和效果，并对这些情况进行评价。
The general purpose of this article is to discover the influence of national debts to economy growth by positive analysis with materials of national debts investment from the aspect of gross quantity and structure , and according to these effects it puts forward some suggestions to adjust the scale and structure of national debts investment 本文写作的总目的是通过对我国国债投资的实际材料的实证分析，揭示国债投资对我国经济增长的总量和结构影响，并根据这些影响提出调整国债投资规模和结构的一些政策建议。
In a word , this paper creatively explores the construction methods of the static yield curve of chinese treasury securities , expands the study of the yield curve from the static state to the dynamic state , makes an empirical study of the characteristics of the distribution of the yield by the methods of the mathematical statistics , and provides the references for the investors to buy or sell the treasury securities 总之，本论文对中国国债静态收益率曲线的构造方法进行了创造性地探索，将国债收益率曲线的研究由静态扩展到动态，采用数理统计方法对中国国债收益率的分布特性进行了实证研究，为投资者进行国债投资提供了参考。
There are a lot of work been done to the yield curve up to date , but the research can not keep up with the development of bond market . under such circumstances , this dissertation wants to do some researches focusing on the yield curve . first , the study observes the figures of yield curves of china bond during different periods and qualitatively analyzes how they have developed to such figures 研究思路:本研究首先定性考察了不同时期我国国债收益率曲线的形状和成因,接着通过综合以前的研究并结合收益率曲线的散点图对不同时期收益率曲线分别建模,利用模型定量研判市场利率走势,并对远期利率作出预测,最后根据实证研究结果对国债投资和管理提供了一些结论和建议。
The third part is on positive analysis , fist regression analysis is made by using the variables like national debts scale and gdp , etc . and from the result it gets the predicted scale of national debt , then it analyzes the data of some cities by the method of principle components and gets the total scores that show the appraisal result of national debts investment 第三章是实证分析部分，用国债发行规模和国内生产总值等变量作回归分析，从而得到国债发行的规模，然后用各个地方的数据进行主成分分析，得到综合得分情况，从而得到国债投资的效果评价。
This paper can be divided into five sections . the first section summarizes amount of textile industry investment , industry structure , region distribution , national debt of textile industry investment in the ninth five - year plan period , meanwhile analyzes achievements and problems 文章第一部分从纺织业投资总量、投资的行业结构、地区结构、投资资金来源结构、国债投资情况几方面对“九五”纺织投资情况进行了总结，并分析了“九五”时期我国纺织投资的成绩与问题。
The second part is on the influence of national debts investment to economy growth , at first it introduces the definition of national debts investment , then analyzes the short term and long term effect of national debts investment to the economy growth and whether or not the national debts investment will crowd out the private investment , since if the use of national debts investment policy wants to come to its summit , it must pay attention to cooperate with other policies , therefore , in the last part of this chapter it describes how to combine the national debts investment policy with other positive financial policies 第二章是国债投资对经济增长的影响，首先介绍国债投资的概念，然后分析国债投资对经济影响的长期和短期效应，国债投资是否挤出私人投资，由于国债投资政策要想发挥最大的效率，就应该注重和其他政策的结合，所以在本章最后部分介绍了国债投资政策和其他的积极财政政策的配合。
At first , this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system , and established the system of personal credit evaluate ; the second , the thesis discusses the investment technique and strategy of national debt in the provident fund , and established the model about how to invest the national debt ; the third , the thesis build the forecast model about fund collecting and drawing , and make use of the combination invest theories to build model of individual loan and national debt ; at last , the thesis analyses the risk ' s inside reason of house funds with the risk type , and to give out the related suggestion to funds risk . mechanism . the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds 本文首先分析了个人住房贷款制度基本要素，即贷款期限、贷款利率与抵押物价值的比例、政府在个人住房贷款市场中的作用、贷款违约情况下的处置措施、个人住房贷款的流动性问题，并对中外制度作了比较，建立了个人信用评分评级体系和信用评估模型，并以重庆市住房公积金为研究对象做出了住房资金个贷风险评估的实证研究；其次，分析了影响国债价格走势的因素，讨论了公积金国债的投资技巧和策略，并建立了基于理论的国债投资组合模型；接下来，根据资产负债管理理论中的资金总库法和资金分配法分析了公积金总体资金项目的来源和运用，并就此作了总量平衡模型，对住房公积金季度累计归集金额作了直线回归和季节趋势比率预测，运用投资组合理论建立了公积金个人贷款和国债投资组合的最优化模型；最后，探析了住房资金风险的内在原因和风险类型，从资金筹集风险、信贷回归风险、保险机制、法律风险和政策风险五个方面为住房资金风险防范机制建设提出了相关建议。
