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个人住房抵押贷款风险的博弈分析
2.
An Empirical Study of Factors Influencing Individual Housing Mortgage Loan Default in China
我国个人住房抵押贷款违约风险影响因素的实证研究
3.
Based on the micro-data of the individual housing mortgage loan,the paper employs a proportional hazard model to explore the prepayment risk factors.
以个人住房抵押贷款的微观数据为基础,运用比例风险模型,探讨影响个人住房抵押贷款提前还款风险的显著因素。
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2)  personal housing mortgage loan
个人住房抵押贷款
1.
Analysis on risk and prevention of personal housing mortgage loan
论个人住房抵押贷款风险与防范
2.
The paper mainly analyses the borrowers risks attributed in personal housing mortgage loan and risks prevention and dispersion, proposes a solution to it.
分析了个人住房抵押贷款中由借款人形成的风险及其防范和分散,并提出了解决问题的建议。
3.
Personal housing mortgage loan can increase the effective demand of personal housing and support the real industry development It is the well assets of book, but exists risk By using risk analysis principle, this paper analyzes the risk factors of bank to personal housing mortgage loan, and puts forward some countermeasures for preventing the ris
个人住房抵押贷款能提高个人住房有效需求 ,支持住宅产业发展 ,被誉为银行的良性资产 ,但同样存在风险。
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3)  Residential Mortgage
个人住房抵押贷款
1.
Due to Chinese housing reform and increasing house demand, these years have witnessed great development of residential mortgage since 1998.
随着住房制度改革的深化和住房需求的增长，1998年以来，我国的个人住房抵押贷款业务在国内迅速发展，1998年—2004年的平均年增长率达到84％，大大超过同期金融机构全部人民币贷款的增长率。
2.
With the rapid increase of commercial banks residential mortgage in China, risks of residential mortgage begin to soar constantly.
随着我国商业银行个人住房抵押贷款的快速增长，个人住房抵押贷款风险逐步显现，且有加速的迹象。
3.
Since the housing reforms in 1998,the residential mortgage market has become a financial engine for the booming residential housing consumption development and great economic growth in china.
自1998年我国进行住房体制改革以来,我国的个人住房抵押贷款为房地产消费和经济发展提供了巨大的金融支持。
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4)  Residential mortgage loan
个人住房抵押贷款
1.
Residential Mortgage Loan Insurance exists in our country only for over ten years.
个人住房抵押贷款保险制度在我国的存在只有十几个年头,它是上世纪90年代初随着住房抵押贷款(即俗称的“按揭”)制度从香港的引入,在我国产生和发展起来的。
2.
In the New Basel Capital Accord, the Advanced Internal Ratings-Based(IRB) Approach has been recommended to measure credit risks of the residential mortgage loans.
巴塞尔新资本协议提出针对个人住房抵押贷款可采用内部评级高级法评估其风险,在满足某些最低条件和披露要求的前提下,商业银行可根据自己对个人住房抵押贷款违约概率、违约损失率、违约风险暴露和期限等要素的估计值确定相应的资本要求。
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5)  home mortgage loan
个人住房抵押贷款
1.
Since 1998,the market of China’s home mortgage loans has been growing with leaps and bounds and it still maintains a tendency of constant increase.
1998年至今,我国个人住房抵押贷款市场迅速成长,并呈现出持续增长趋势。
2.
For a long time, the major sources of home finance are coming from home mortgage loans and housing mutual funds.
长期以来，我国的住房金融主要是依靠商业银行个人住房抵押贷款、住房公积金贷款业务。
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6)  individual housing mortgage
个人住房抵押贷款
1.
Risk Analysis and Prevention of Individual Housing Mortgage;
我国个人住房抵押贷款风险分析和防范
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补充资料：个人住房贷款首付6月1日起提至30%
　　国务院办公厅转发建设部等九部门《关于调整住房供应结构稳定住房价格的意见》。该意见提出：为抑制房价过快上涨，从2006年6月1日起，个人住房按揭贷款首付款比例不得低于30%。考虑到中低收入群众的住房需求，对购买自住住房且套型建筑面积90平方米以下的仍执行首付款比例20%的规定。

　　新华网北京5月29日电 国务院办公厅转发建设部等九部门《关于调整住房供应结构稳定住房价格的意见》。

　　房地产业是我国新的发展阶段的一个重要支柱产业。引导和促进房地产业持续稳定健康发展，有利于保持国民经济的平稳较快增长，有利于满足广大群众的基本住房消费需求，有利于实现全面建设小康社会的目标。

　　针对房地产业发展中存在的问题，为进一步加强市场引导和调控，建设部、发展改革委、监察部、财政部、国土资源部、人民银行、税务总局、统计局、银监会联合制定的《关于调整住房供应结构稳定住房价格的意见》，已经国务院同意，国务院办公厅近日转发这一《意见》，要求各地区、各部门认真贯彻执行。
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