我国住房抵押贷款提前还款的博弈分析

A Game Analysis of Prepayment of Mortgage and the Methods to Impose Penalty

本文在介绍住房抵押贷款的三种还款方式即每月等额本息还款、每月等额本金还款和到期一次还本付息方式的基础上 ,对住房抵押贷款的提前还款行为从借款人和银行两方面进行了分析 ,通过构建博弈分析模型得出银行对住房抵押贷款提前还款加收违约金的必要性 ,并从提前还款服务成本补偿、提前还款后资金闲置损失补偿和预期收益减少损失补偿三个方面对违约金的收取标准进行了设计。

Based on the introduction of the three ways of paying back mortgage,that is:paying the capital and interest by the same amount every month;paying the capital by the same amount every month and paying the capital and interest once and for all when the morgage is due,the paper analyzes the behaviour of prepayment of mortgage from the two sides of both the borrower and the bank.It concludes that it is very necessary for the bank to impose fine for prepayment through constructing the analysis model of game theory,then it gives some suggestions on the standard of charge penalty for prepayments by banks from three ways:compensation for the service cost of prepayment;loss compensation for idle fund and loss compensation for the shrink of expected profit after prepayment.