| 福建省住房信贷风险的形成途径分析 |
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| 引用本文： | 云青,梁新潮.福建省住房信贷风险的形成途径分析[J].集美大学学报(哲学社会科学版),2010,13(1):64-69. |
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| 作者姓名： | 云青 梁新潮 |
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| 作者单位： | 集美大学,财经学院,福建,厦门,361021 |
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| 基金项目： | 福建省社会科学规划项目(2008B054) |
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| 摘 要： | 立足福建省住房信贷管理的基本现状，分析影响住房信贷需求变化的主要因素，从银行、开发商、个人等方面探讨福建省住房信贷风险形成的基本途径。认为住房信贷是一把双刃剑，潜在风险不可忽视；化解风险需要对银行、开发商、个人进行全方位的风险管理。
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| 关 键 词： | 住房信贷 风险管理 逆选择 |
Study on the Approach to the Risk of Housing Credit in Fujian Province |
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| YUN Qing,LIANG Xin-chao.Study on the Approach to the Risk of Housing Credit in Fujian Province[J].Journal of Jimei University (Philosophy and Social Sciences),2010,13(1):64-69. |
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| Authors: | YUN Qing LIANG Xin-chao |
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| Institution: | College of Economics and Finance;Jimei University;Xiamen 361021;China |
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| Abstract: | Based on the current management of the housing credit in Fujian Province,the paper analyzes the main factors impacting the housing credit demand,and discusses the approaches to the risk of housing credit in Fujian Province from the perspectives of banks,developers and individuals.The paper takes the housing credit as a double-edged sword,whose potential risks should not be neglected.To eliminate these risks requires a comprehensive risk management of banks,developers and individuals. |
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| Keywords: | housing credit risk management reverse option |
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