运用抵押率降低贷款行业风险

恰当地管理贷款行业中存在的风险至关重要。长期以来,放贷人借助首付准则和抵押贷款保险来降低风险敞口。本文讨论了抵押贷款行业中风险管理的各种方法,着重讨论了欧美的情况。

Applying Mortgage to Reduce the Risk of Loan

Managing risk properly is critical in the lending industry.Mortgage lenders have a long history of using down payment guidelines and mortgage insurance to help limit exposure to risk.In this paper,we will discuss each of these methods of risk management commonly used in the mortgage industry,particularly in the U.S and Europe.