关于住房按揭贷款风险评估研究的若干问题
摘要
中国人有强烈的拥有房屋的热情。根据中国社会科学院社会学研究所2016年《社会蓝皮书》的数据，2015年中国家庭住房自有率超过了95％，更有接近20％的家庭拥有两套以上的住房。①在同一时期，房屋拥有率（homeownershiprate）在美国是在63％到64％之间。
参考文献10
-
1Agrwal, S., Driscoll, J. C. and Laibson, D. I., 2013, Optimal Mortgage Refinancing: A Closed-Form Solution, Journal of Money, Credit and Banking 45 ( 4 ) , 591-622.
-
2Deng, Y., Quigley, J. M. and Order, R. V., 2000, Mortgage Terminations, Heterogeneity and the Exercise of Mortgage Options,Econometrica 68(2), 257-307.
-
3Kau, J. B., Keenan, D. C., Muller, W. J. and Epperson, J. F., 1992, A Generalized Valuation Model for Fixed -Rate Residential Mortgages, Journal of Money, Credit and Banking 24 (3), 279-299.
-
4Kaza, N., Sarah R., Roberto, G. Q. and Chao, Y. T., 2016, Location Efficiency and Mortgage Risks for Low-In- come Households, Housing Policy Debate, forthcoming.
-
5Lacour-Little, M., Park, Y. and Green, R., 2012, Parameter Stability and the Valuation of Mortgages and Mortgage Backed Securities, Real Estate Economics 40C 1 ), 23-63.
-
6Mian, A., and Sufi, A., 2009, The Consequences of Mortgage Credit Expansion: Evidence from the U.S. Mortgage Default Crisis, Quarterly Journal of Economics 124 (4), 1449-1469.
-
7Quercia, R. G., Pennington-Cross, A. and Tian, C. Y., 2012, Mortgage Default and Prepayment Risks among Moderate and Low Income Households,Real Estate Economics 40( sl ), S159-S198.
-
8Quercia, R. G., Pennington-Cross, A. and Chao, Y. T., 2014, Differential Impacts of Structural and Cyclical Un- employment on Mortgage Default and Prepayment, Journal of Real Estate Finance and Economics, forthcoming.
-
9Tian, C. Y., Ratcliffe J., Roberto, G. Q. and Sarah Riley, 2016, Specialty Servicers and Mortgage Terminations. Manuscript.
-
10Titman, S., and Torous, W., 1989, Valuing Commercial Mortgages: An Empirical Investigation of the Contingent- Claims Approach to Pricing Risky Debt, The Journal of Finance 44 (2), 345-373.
-
1三清言.再缺钱也要把这事干好[J].中国老区建设,2014(4):31-31.
-
2邓斌.事业单位养老保险改革需从“公平”着手[J].中国社会工作,2010(2):43-43.
-
3李培林.社会发展面临诸多两难选择[J].领导文萃,2014(12):33-34.
-
4贾康.房产税普遍征收不适合国情[J].英才,2013(10):84-84.
-
5傅蔚冈.如何应对日益扩大的城乡养老差距[J].四川物价,2014(3):16-17.
-
6樊相如,窦晓飞.浅析我国住房抵押贷款中的提前还款风险[J].黑龙江社会科学,2002(1):33-34. 被引量：11
-
7高校贷款，早就注定政府埋单[J].四川物价,2008(3):29-29.
-
8曹雪彦,孙强.政府理性面对突发公共事件须掌握的理念及原则[J].学周刊（上旬）,2011(9):199-199. 被引量：1
-
9史长俊.以房养老:逆向年金抵押贷款[J].中国金融,2011(10):83-84. 被引量：8
-
10赵奉军,邹琳华.自有住房的影响与决定因素研究评述[J].经济学动态,2012(10):137-143. 被引量：29
