摘要
根据我国住房抵押贷款的实际情况,住房消费者在偿还借款时可以选择提前还款、按时还款或是违约拖欠,银行根据不同情况选择打官司和不打官司。通过博弈分析,论述了信用制度的建立和健全与银行放贷之间的依存关系,为住房抵押贷款证券化在我国的开展作了有益的探索。
According to our country's conditions, consumer selects prepaying loan,paying loan on time or branking contract,and commercial bank selects lawsuiting or not. Through the game analysis of two sides,it discusses relations between the loan of bank and the development of credit system,and give us some suggestions in order to the development of MBS in our country.
出处
《重庆大学学报（自然科学版）》
EI
CAS
CSCD
北大核心
2004年第6期133-136,共4页
Journal of Chongqing University
基金
重庆市建委软科学基金资助项目(2003016)
