房价波动中个人住房抵押贷款风险研究

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1、北京交通大学硕士学位论文房价波动中个人住房抵押贷款风险研究姓名：张梦婉申请学位级别：硕士专业：区域经济学指导教师：赵坚20080601ABSTRACTABSTRACT：Inrecentyears，alongwiththechangesoftheinhabitant’Sincome，andthefervencyoftheirbuyinghousekeepsgoingupinChina,thefinancialbusinessofindividualhousingmortgageloanhasbeendevelopedrapidly．Becauseofitsreliableguara

2、ntees，comparativelyhighprofitsandlowrisks，theindividualhousingmortgageloanbusinesshasbecomemorepopularincommercialbanks，ithasbecomeallimportantcreditbusinessofourcommercialbank．Buttheprospectofindividualhousingmortgageloanisnotoptimistic：Fromthebeginningof2007，pricehasriserapidly,thegovernmen

3、tkeepsraisinginterestratestoslowinflation．Theybotllincreaseborrower’Sfinancialdifficulties；ontheotherhandthequickgrowthofhousingpriceisfarbeyondtheresidentialaffordability,ifhousingpricefalls，thepotentialrisksofindividualhousingmortgageloanwillbecomereality．Thestructureofthispaper：First，intro

4、ducethefactorsthatmayleadtotherisksofindividualhousingmortgageloan；second，introducebasicconceptofindividualhousingmortgageloanrisks；third，discussingtheinfluencemechanismofhousingpricefluctuationtoindividualhousingmortgageloanrisks；throughcaseanalysis---onecaseofJapan，andonecasefromAmericatofi

5、ndthefactorsthatmaycausetheindividualhousingmortgageloanrisks，thencomparedtothesituationofChina．Theconclusionisthatwiththehousingpricerapidrising，themainrisksofindividualhousingmortgageloan--borrowerriskandmortgageriskkeeprising，ifthehousingpricefills，theywillcausebaddebts，andthenleadtofinanc

6、ialcrisis；thelastchapterincludespreventiontothemainrisksofindividualhousingmortgageloan--borrowerriskandmortgagerisk．KEYWORDS：individualhousingmortgageloan；fluctuationofhousingprice；riskpreventionCLASSN0：F830．589学位论文版权使用授权书本学位论文作者完全了解北京交通大学有关保留、使用学位论文的规定。特授权北京交通大学可以将学位论文的全部或部分内容编入有关数据库进行检索，并采

7、用影印、缩印或扫描等复制手段保存、汇编以供查阅和借阅。同意学校向国家有关部门或机构送交论文的复印件和磁盘。(保密的学位论文在解密后适用本授权说明)学位论文作者签名：批导师签名：签字同期：蚺易月r日签字日期哆∥护矿矽日1t●y厶旌独创性声明本人声明所呈交的学位论文是本人在导师指导下进行的研究工作和取得的研究成果，除了文中特别加以标注和致谢之处外，论文中不包含其他人已经发表或撰写过的研究成果，也不包含为获得北京交通大学或其他教育机构的学位或证书而使用过的材料。与我一同工作的同志对本研