| 我国银行业抵押贷款违约损失率现状分析及政策建议 |
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| 引用本文： | 卓佳,孙晓光,陈亚楠.我国银行业抵押贷款违约损失率现状分析及政策建议[J].特区经济,2008(11):75-76. |
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| 作者姓名： | 卓佳 孙晓光 陈亚楠 |
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| 作者单位： | 1. 中国人民银行,海口中心支行,海南,海口,570105
2. 中国建设银行,海南省分行,海南,海口,570105 |
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| 摘 要： | 抵押作为银行信用风险缓释技术,通过对违约概率和违约损失率的影响发挥缓解信用风险的功能。本文总结了国内外违约损失率的研究概况,分析了当前我国银行抵押贷款业务中存在的问题,并据此给出相关的政策建议。
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| 关 键 词： | 抵押 违约概率 违约损失率 |
China banking mortage loaing agreement violation loss rate's present situation analysis and policy suggestion |
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| Zhuo Jia,Sun Xiao Guang,Chen Ya Nan.China banking mortage loaing agreement violation loss rate''s present situation analysis and policy suggestion[J].Special Zone Economy,2008(11):75-76. |
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| Authors: | Zhuo Jia Sun Xiao Guang Chen Ya Nan |
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| Institution: | Zhuo Jia Sun Xiao Guang Chen Ya Nan |
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| Abstract: | As a sustained-release technology of credit risk in banking, mortgage, effect by influencing the probability of Default(PD) and Loss Given Default (LGD), an overview of research about Loss Given Default (LGD) was presented, current problem of mortgaging loan business in china was also analyzed, and relevant policy recom- mendations was given in this paper. |
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| Keywords: | mortgage probability of Default Loss Given Default |
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