| 信息不对称下住房抵押贷款信用风险分析及规避策略研究 |
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| 引用本文： | 彭杏芳. 信息不对称下住房抵押贷款信用风险分析及规避策略研究[J]. 华中师范大学研究生学报, 2007, 0(4) |
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| 作者姓名： | 彭杏芳 |
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| 作者单位： | 华中师范大学经济学院 武汉430079 |
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| 摘 要： | 信息不对称是住房抵押贷款信用风险产生的根源。从信息不对称角度出发,探讨了抵押贷款信用风险的几种表现形式,并分析了信用风险产生的原因,指出实施抵押贷款证券化、完善个人信用制度、落实抵押贷款担保制度、规范银行内部信贷管理是规避信用风险的关键策略。
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| 关 键 词： | 信息不对称 抵押贷款 风险规避 |
Credit-risk Analyzing and Avoiding-tactics Researching of Housing-mortgage on Information Dissymmetry |
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| PENG Xing-fang. Credit-risk Analyzing and Avoiding-tactics Researching of Housing-mortgage on Information Dissymmetry[J]. Huazhong Normal University Journal of Postgraduates, 2007, 0(4) |
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| Authors: | PENG Xing-fang |
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| Abstract: | Information dissymmetry is the root of credit risk of housing-mortgage. Basing on the information dissymmetry, this paper inquires into several formats of credit risk of housing-mortgage, and analyses the cause of credit risk, then points out that: carrying out mortgage-backed securities, improving the individual credit-system, implementing the assurance-system of mortgage, standardziing the internal credit management of bank are important tactics to avoid credit risk. |
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| Keywords: | information dissymmetry mortgage risk-avoiding |
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