摘要
“提前还贷”的日益频繁使银行忍不住要说“不”,它给银行的业务经营和技术创新带来了极大的挑战 ;而消费者面对“提前还贷”时 ,则更应根据自己的年龄、个人财富、收入分配等状况来进行抉择 ,从而使个体的金融行为更趋理性。
The frequent “loan returns before stated time” pose great challenges to bank business operations and technological innovation. Consumers should be more rational in their financial conduct, making decisions according to their own ages, personal property, and personal income and expenditure.
出处
《重庆邮电学院学报（社会科学版）》
2004年第3期51-53,共3页
Journal of Chongqing University of Posts and Telecommunications
关键词
提前还贷
利率风险
金融创新
人力资本
loan return before stated time”
interest risk
financial innovation
human capital
