| 住房购买者偿还银行贷款的博弈分析 |
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| 引用本文： | 傅强,张宜松.住房购买者偿还银行贷款的博弈分析[J].重庆大学学报(自然科学版),2004,27(6):133-136. |
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| 作者姓名： | 傅强 张宜松 |
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| 作者单位： | 重庆大学,经济与工商管理学院,重庆,400030;重庆大学,经济与工商管理学院,重庆,400030;重庆大学,城市学院,重庆,400030 |
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| 摘 要： | 根据我国住房抵押贷款的实际情况,住房消费者在偿还借款时可以选择提前还款、按时还款或是违约拖欠,银行根据不同情况选择打官司和不打官司.通过博弈分析,论述了信用制度的建立和健全与银行放贷之间的依存关系,为住房抵押贷款证券化在我国的开展作了有益的探索.
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| 关 键 词： | 住房抵押贷款 证券化 特殊目的载体 住房消费者 商业银行 信用 博弈 |
| 文章编号： | 1000-582X(2004)06-0133-04 |
| 修稿时间： | 2004年3月27日 |
Game Analysis of Housing Consumer and Commercial |
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| FU Qiang,ZHANG Yi-song.Game Analysis of Housing Consumer and Commercial[J].Journal of Chongqing University(Natural Science Edition),2004,27(6):133-136. |
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| Authors: | FU Qiang~ ZHANG Yi-song~ |
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| Institution: | FU Qiang~1,ZHANG Yi-song~ |
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| Abstract: | According to our country's conditions, consumer selects prepaying loan,paying loan on time or branking contract,and commercial bank selects lawsuiting or not. Through the game analysis of two sides,it discusses relations between the loan of bank and the development of credit system,and give us some suggestions in order to the development of MBS in our country. |
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| Keywords: | home mortgage loan securitization special purpose vehicle housing consumer commercial credit game |
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