基于模糊数学的河北省住房公积金贷款资产证券化可行性分析

Feasibility Analysis of Asset Securitization of Housing Accumulation Fund Loan in Hebei Province Based on Fuzzy Mathematics

住房公积金贷款由于低利率的特点已经成为购房者的首选,保证公积金贷款资金的充足显得极为重要。文章根据河北省住房公积金资金供给和需要现状分析得出河北省公积金资金供需不均衡。为了增加公积金资金供给,提出了四种途径并分析了各自的优缺点。最后根据模糊数学模型,计算了四种具体方案的分值,提出公积金贷款资产证券为增加公积金资金供给的最优选择。

The housing accumulation fund loans because of low interest rates has become the first choice for buyers, which is very important for adequate funding of accumulation fund loans. According to the Hebei provincial housing accumulation fund supply and need analysis, this paper found that the current situation of supply and demand in Hebei province accumulation fund is not balanced. In order to increase fund supply, four ways are put forward and their advantages and disadvantages are analyzed. Finally, according to the fuzzy mathematical model, it calculates the value of the four specific programs, and puts forward the optimal choice of the accumulation fund loan asset securities to increase the fund supply.