QM：合格抵押
“合格抵押贷款”（Qualified Mortgage）在商业与金融领域常被简写为 QM，以便在日常沟通、合同文书及行业讨论中快速书写和使用。这一术语特指符合美国《多德-弗兰克法案》相关标准的安全贷款类型，常见于抵押借贷业务，旨在为借款人提供更明确的还款保障与风险控制。使用缩写QM既提升了专业文本的效率，也便于行业内外的识别与传播。
Qualified Mortgage的英文发音
例句
- Due to lack of qualified mortgage collateral and the owners and operators are the same in most cases, there is serious information asymmetry between the lender and the borrower when rural SMEs are difficult to obtain loans from banks.
- 由于缺乏合格的抵押担保品以及多数情形下所有者与经营者的高度合一，造成借贷双方信息严重不对称，它们很难从银行获得贷款。
- The Wall Street defence for this kind of behaviour is that these were sophisticated investors that were qualified to make up their own mind about mortgage securities even immensely complex ones.
- 华尔街为这种行为辩解称，这些投资者是内行，完全可以对抵押贷款证券（即便是极其复杂的产品）做出自己的判断。
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