个人住房抵押贷款信用风险分析

Analysis of credit risk of personal housing mortgage loan

个人住房抵押贷款业务的迅速发展,引起了各家银行的重视。但是该业务在我国开展时间短,规模还比较小,同时银行面临的借款人信用风险仍比较大。通过运用博弈论的有关方法,对个人及银行的行为进行分析,提出了完善我国个人信用制度的主张。

With the rapid development of personal housing mortgage loan, banks pay attention to the operation of it, but it has been only a short time in our country, and its scale is also very small. At the same time, the banks have to confront a greater credit risk. The article makes use of some methods on the Game Theory to give an analysis to the behaviors of the banks and the individuals. At last, the author proposes that we should take measures to accomplish the system of personal credit.