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浅谈个人住房贷款风险防范 被引量:1
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作者 郑作标 《海南金融》 2003年第7期50-51,共2页
本文针对当前住房贷款营销及风险防范问题进行了分析。文中分析了当前住房贷款发展的前景和潜在的风险,认为发展个人住房贷款仍有很大的发展空间,但风险问题不容忽视。应采取审慎的信贷政策,积极稳妥,稳步推进。
关键词 个人 住贷款 风险防范 潜在风险 信贷政策
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对发展商业银行住房抵押贷款业务的思考
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作者 李娟 《湖北大学成人教育学院学报》 2005年第2期63-65,共3页
住宅产业的发展对商业银行住宅贷款业务的发展提出了新的要求,商业银行应在防范各类风险基础上大力开展住房抵押贷款业务。
关键词 风险 底抵押贷款 商业银行
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Baseband Design for 5G UDN Base Stations:Methods and Implementation 被引量:3
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作者 Zhaoyun Cai Dake Liu 《China Communications》 SCIE CSCD 2017年第5期59-77,共19页
Baseband design and implementation for micro/pico base stations (mBS) in 5G ultra-dense network (UDN) is studied. Low cost is an essential requirement for mBS baseband in UDN. Digital baseband cost of ASIC/ASIP (... Baseband design and implementation for micro/pico base stations (mBS) in 5G ultra-dense network (UDN) is studied. Low cost is an essential requirement for mBS baseband in UDN. Digital baseband cost of ASIC/ASIP (Application Specific Integrated Circuit / Instruction-set processor) is of the most uncertainty in roBS system. However. the actual costs and hardware feasibility of the baseband are yet unknown to network deployers and researchers. In this paper, we studied the baseband hardware system design and implementation for low-cost roBS. We analyzed popular baseband algorithms and architectures for both full-digital and hybrid beamforming (BF) for UDN. We then proposed feasible chip-level solutions for the baseband with up to 128-antenna BS system, and estimated their implementation cost. Results show that among lull-digital BF algorithms, zero-forcing is a choice of high performance and low cost; for hybrid BF, 4×32 architecture (32 RF chains) provides good reduction in baseband cost with acceptable performance loss, thus it can be a preferable solution under low cost consider- ation. The proposed system planning method can also be used for the design of other related systems. 展开更多
关键词 5G Communication ASIC/ASIP UDN baseband implementation massive MIMO
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Household Income and Expenditure Relationships: A Simultaneous Equation Approach
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作者 Nik Hashim Nik Mustapha Noorhaslinda Kulub Abd. Rashid Aslina Nasir 《Chinese Business Review》 2011年第6期395-405,共11页
Income and expenditure are highlighted in this study as they currently affect the quality of life of the Malaysian society. In the Ninth Malaysia Plan (2006-2010) poverty eradication was emphasized as one of the soc... Income and expenditure are highlighted in this study as they currently affect the quality of life of the Malaysian society. In the Ninth Malaysia Plan (2006-2010) poverty eradication was emphasized as one of the socio-economic targets to uplift those poor households from the fast moving modern sectors of the economy. The primary objective of this paper is therefore to identify income and expenditure relationships among the households of the east coast of Peninsular Malaysia during the current economic downturn. Attempts to analyze household consumption as a share of total income and to identify factors contributing to household income and expenditure have become a topic of interest in literature. A substantial portion of household income devoted to productive loans characterizes the majority of Malaysians as the economy progresses to a more advance stage. A significant and strong relationship between income and types of household expenditure is explored from the socio-economic perspectives. Using primary data a system of simultaneous equations, namely the two stage least squares (2SLS) was applied. This paper identifies crucial variables associated with the income and expenditure. Some of these variables showing high correlation with the total expenditure are the housing loan, automobile loan and educational expenditure. 展开更多
关键词 EXPENDITURE INCOME simultaneous two-stage equation method
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Redlining in Residential Mortgages in Johannesburg, South Africa
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作者 Charles Muzi Nsibande 《Journal of Civil Engineering and Architecture》 2014年第11期1424-1430,共7页
The aim of the research in the paper was to study redlining practice within the greater Johannesburg area. The aim can be summarised by the following objectives: firstly, to investigate the evidence of redlining in t... The aim of the research in the paper was to study redlining practice within the greater Johannesburg area. The aim can be summarised by the following objectives: firstly, to investigate the evidence of redlining in the Greater Johannesburg area and to test its existence; secondly, to investigate the reasons why the areas were redlined; thirdly, to understand what the South Africa government and society did to combat the redlining practice. The research methodology was based on a questionnaire and interviews. A pool of respondents from the Greater Johannesburg suburbs that had interest or were affected by the practice of redlining was sought and interviewed. Analysis of the responses was made and conclusions were drawn from the responses. Secondary data was also sought from publications on the redlining practice to support the primary interviews data. From the interview responses and the secondary data, it was established that redlining existed in Greater Johannesburg and that the areas where redlining was practised could be marked on a map. 展开更多
关键词 MORTGAGES mortgage risk redlining reinvestment.
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货币政策能否调控房地产价格 被引量:19
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作者 盛松成 《银行家》 北大核心 2003年第9期30-33,共4页
关于房地产价格以及货币政策在房地产价格调控中的作用问题,已成为目前经济界争论的热点问题之一。我国部分地区和城市的商品房销售价格上涨过快,除了投资性购房中的炒作因素和个人住房贷款支持了商品房购买力等因素外,土地交易价格上... 关于房地产价格以及货币政策在房地产价格调控中的作用问题,已成为目前经济界争论的热点问题之一。我国部分地区和城市的商品房销售价格上涨过快,除了投资性购房中的炒作因素和个人住房贷款支持了商品房购买力等因素外,土地交易价格上涨过快是一个更重要的因素。地方政府要进一步完善土地收购储备制度,充分发挥土地收购储备机构对土地交易价格的调控作用。人民银行主要是通过规定和调整个人住房抵押贷款的限额、成数和利率,从而调控商品房需求和房地产价格。 展开更多
关键词 货币政策 房地产价格 信贷规模 中国 商品房空置率 土地储备制度 个人住贷款 房地产市场
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