经济与管理研究
經濟與管理研究
경제여관리연구
Research on Economics and Management
2011年
1期
120~122
,共null页
住房抵押贷款 违约风险 影响因素
住房牴押貸款 違約風險 影響因素
주방저압대관 위약풍험 영향인소
Residential Mortgage Loan; Default Risk; Influencing Factors
随着房地产业的快速发展，个人住房抵押贷款已经成为商业银行的重要业务。然而，面对日趋复杂多变的市场环境，违约风险的隐患也日益显现。本文就国内外有关违约风险影响因素的研究进行了综述，指出以往研究的局限性，并结合我国实际提出了控制违约风险的建议和对策。
隨著房地產業的快速髮展，箇人住房牴押貸款已經成為商業銀行的重要業務。然而，麵對日趨複雜多變的市場環境，違約風險的隱患也日益顯現。本文就國內外有關違約風險影響因素的研究進行瞭綜述，指齣以往研究的跼限性，併結閤我國實際提齣瞭控製違約風險的建議和對策。
수착방지산업적쾌속발전，개인주방저압대관이경성위상업은행적중요업무。연이，면대일추복잡다변적시장배경，위약풍험적은환야일익현현。본문취국내외유관위약풍험영향인소적연구진행료종술，지출이왕연구적국한성，병결합아국실제제출료공제위약풍험적건의화대책。
Residential mortgage loan has become an important business of Chinese banks along with the devel- opment of real estate industry, however, default risk has emerged very quickly because of more and more compli- cated market environment. How to manage and control default risk has become the main concern in industrial cir- cles and theories field. In this paper, the authors summarize the former research of the default risk of residential mortgage loan and analyze the limitations of the former research, and put forward some suggestions about how to control default risk with China＇ s reality.
