摘要
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。
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.
出处
《经济与管理研究》
CSSCI
北大核心
2011年第1期120-122,共3页
Research on Economics and Management
基金
陕西省重点学科建设专项资金资助项目
陕西省教育厅人文社会科学项目(08JK079)
西安建筑科技大学人才基金项目"住房抵押贷款信用风险的影响因素研究"
关键词
住房抵押贷款
违约风险
影响因素
Residential Mortgage Loan
Default Risk
Influencing Factors
