银行个人住房抵押贷款预警系统构想

Thinking on Individual Housing Mortgage Risk Precaution System of Banks

随着我国住房分配货币化改革的深入进行 ,银行针对个人发放的住房抵押贷款规模日益庞大 ,风险也逐渐凸显。如何有效规避风险 ,正成为各大商业银行竟相研究的主题。笔者在此基础之上 ,提出模糊预警模型 ,给出预警结果。

With the booming of monetary housing allocation, the scale of both bank loans issued to individuals and bank risk has increased by leaps and bounds How to effectively avoid the risk has become the main point of all banks This article presents key risk factors on housing mortgage, under which we build a blurred precaution system to help banks prevent potential risk