| 当前我国个人住房抵押贷款利率风险分析 | |
| 张宇 ; 刘洪玉 ; ZHANG Yu ; LIU Hong-yu | |
| 2010-06-07 ; 2010-06-07 | |
| 关键词 | 个人住房抵押贷款 利率风险 利率政策 home mortgage interest rate risk interest rate policy F832.45 |
| 其他题名 | Research on Interest Rate Risk of Home Mortgage in China |
| 中文摘要 | 在现代商业银行理论中,利率风险管理是一个由来已久的话题。本文研究表明,利率市场化程度低、个人住房抵押贷款市场层次单一、贷款产品模式单调等市场固有缺陷,导致我国个人住房抵押贷款的利率风险过度集中于银行体系,且潜在风险水平高、可控性差。随着目前我国房地产市场向下调整程度的加深、未来市场周期性变化特征的显化以及全球金融危机的进一步蔓延,我国个人住房抵押贷款中蕴含的利率风险正逐步加剧。为降低利率风险、保证银行体系安全稳定运行,除了要求银行采取一些基本管理方法之外,还应当从相关政策制定、金融产品创新和金融市场拓展等基础机制上寻求解决方法。; Management on interest rate risk is an old-line topic in the theory of modern commercial banks.Interest rate risk of home mortgage has been fastened on banking system in China in result of lower interest rate marketization and oversimplified home mortgage tools,which has threatened the soundness and safety of China's financial system.In this paper,the authors analyze the characteristics of interest rate risk of home mortgage in China based on the traits of China's housing financial system and current national economy trend,both in qualitative and quantitative perspective.In order to reduce interest rate risk in banking system,government should not only implement principal risk controlling rules on commercial bank,but also find solutions from the view of financial market foundation,such as mortgage tools improving and financial market creating. |
| 语种 | 中文 ; 中文 |
| 内容类型 | 期刊论文 |
| 源URL | [http://hdl.handle.net/123456789/45943]  |
| 专题 | 清华大学 |
| 推荐引用方式 GB/T 7714 | 张宇,刘洪玉,ZHANG Yu,等. 当前我国个人住房抵押贷款利率风险分析[J],2010, 2010. |
| APA | 张宇,刘洪玉,ZHANG Yu,&LIU Hong-yu.(2010).当前我国个人住房抵押贷款利率风险分析.. |
| MLA | 张宇,et al."当前我国个人住房抵押贷款利率风险分析".(2010). |
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