住房抵押贷款违约实证探究.pdf

Abstract 111esize hasbeenincreasedsince1 hastaken ofmortgage 998，and largeproportion inbank increased default criseattheend lending,thenmortgage potentially,the矗／lance of2007hasresultedfrom commercialbankshave mortgagedefault．Recently,Chinese launchednew asFixedRate Balloon typesofmortgage，suchMortgage(FRM)and takes of risk Mortgage(BM)，whichchallengesmortgagemanagement．What’Smore，the collectionof taxeshasinfluence on therisk propertymay maria,then mortgage ofcommercialbanks somestudiesof default management ultimately．Taking mortgage has totherisk and ofcommercialbanks may importantsignificancemanagementprofits inthe era．Asfor the of hasbeen post-crisis Whenzhou,which priceproperty falling，this researchfind efficientmothodof from ithas may default，SO keepingmortgage practical significance． Tbjs solvesa modelof default basedonChina’S paper dynamic mortgage reality, intoaccountlabor rateandinflation．Thencalculate income，house taking price，interest default and the of probabilityprofitabilityby theoryutilitymaximization,taking simulation and