住房抵押贷款风险问题研究+文献综述
我国对于住房抵押贷款的风险分析还不够深入，大多数学者更加注重对银行操作风险进行分析从而忽视了其他可能存在的风险。为此本文着重于借款人风险、银行内部风险和制度风险，运用博弈论、信息不对称理论等，立足于已存在学者理论分析的基础上，选取适用的模型及实例加以分析，从而提出适宜我国国情的风险防范措施。
本文搜集了众多参考文献，参考了前人的理论心得，对房地产市场上可能出现的风险加以甄别、分析，剖析风险的成因，从而针对性的提出控制、防范风险的策略。
毕业论文关键词： 住房抵押贷款；违约风险；风险防范
Housing Mortgage Lending Risks Research
Abstract: With the rise of the housing reform, as well as the full opening of the banking industry, the real estate industry has become the pillar industry supporting national economy. The housing mortgage business is widely spread as a benign credit product due to its high profit and low risk.
The risk analysis of the housing mortgage loan is not deep enough, most scholars pay attention to the bank operation risk analysis and neglect other possible risk. This paper emphatically in the borrower credit risk, bank internal risk and institutional risk, the use of game theory, information asymmetry theory, based on the analysis of the existing theoretical foundation, select the application model and a case to be analyzed, and puts forward the suitable for China's national conditions risk prevention measures.
In this paper, a collection of many references, reference to the experience of previous theory, the risk that may arise in the real estate market to be screening, analysis and risk analysis of the causes, so as to put forward control, risk prevention strategy.
KeyWords: Housing Mortgage Loan; Default Risk; Risk Prevention
目 录
1绪论 1
1.1 研究背景 1
1.2 研究意义 2
2住房抵押贷款概述 4
2.1 住房抵押贷款的定义 4
2.2 住房抵押贷款的特点 4
2.2.1 零售业务的通性 4
2.2.2 自身业务的特殊性 4
2.3 住房抵押贷款的种类及还款方式 5
2.3.1 住房抵押贷款的种类 5
2.3.2 住房抵押贷款的还款方式 6
2.4 住房抵押风险的分类 6
2.4.1 住房抵押贷款主观风险 8
2.4.2 住房抵押贷款客观风险 10
3住房抵押贷款借款人风险 11
3.1信用风险 11
3.1.1 住房抵押贷款信用风险的理论分析 11
3.1.2 信用风险的分类 11
3.1.3 信用风险成因定量分析 12
3.1.4 基于信息不对称理论的博弈论模型分析 14
3.1.5 结论 17
3.2 提前偿付风险 18
3.2.1 提前偿付的因素分析 18
3.2.1 提前偿付造成的影响 19
3.2.2 利率变化对提前偿付的影响 20
3.2.3 违约金对提前偿付的影响 24
3.2.4 结论 26
4银行内部风险研究 28
4.1 银行内部操作风险 28
4.1.1 我国商业银行操作风险的成因 28
4.2 银行内部道德风险 29
4.3 银行违约风险基本管理流程 29