| 三线城市房贷风险量化评估——基于甘肃省庆阳市房贷风险的压力测试研究 |
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| 引用本文： | 无.三线城市房贷风险量化评估——基于甘肃省庆阳市房贷风险的压力测试研究[J].西部金融,2012(1):94-96. |
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| 作者姓名： | 无 |
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| 作者单位： | 中国人民银行庆阳市中心支行课题组／中国人民银行庆阳市中心支行,甘肃庆阳,745000 |
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| 摘 要： | 近年来,一些地区出现了房地产业投资过热、房价上涨过快等问题,并且随着房地产业在经济总量中占比较大,房地产业的风险也越来越受到广泛关注。在一二线城市房地产业快速发展的同时,庆阳市等三线城市房地产业与全国房地产形势保持一致,连年保持了"量价齐升"的迅猛发展势头。为研究三线城市房地产业发展现状下金融机构所能承载的风险范围,本文以甘肃省庆阳市为例,对其房地产信贷资产质量利用压力测试法进行了量化评估,并根据结果提出建议。
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| 关 键 词： | 房地产 金融风险 压力测试 |
Quantitative Assessment on Mortgage Risk in Third Tier Cities --Based on mortgage risk stress test on Qingyang, Gansu |
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| Institution: | Research Team of the PBC Qingyang Branch (The PBC Qingyang Sub-Branch,Gansu,Qingyang,710075) |
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| Abstract: | In recent years,many cities saw overheated real estate investment and rising housing prices.For the real estate industry in the economic aggregate accounted for a big share,the risks in real estate industry caught rising attention.With the same pace of the second tier cities,Qingyang and other three tier cities had both rising prices and deals.To learn the risk forbearance of real estate industry in three tier cities,this paper studies the case of Qingyang,Gansu,made quantitative evaluation with stress testing method,and gives policy advice. |
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| Keywords: | real estate financial risk stress test |
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