摘要
从动态的角度运用博弈论的基本分析方法,建立了银行和个人之间借款和还款的博弈模型,阐明在我国个人住房抵押贷款中信用风险的形成及转嫁机制,并提出银行应如何规避这些风险.
Individual Housing Mortgage Loan (IHML) is a way to boost the development of the housing system by many countries. In China IHML is also a means to push the reform of the housing system. With the development of IHML, the banks are confronted with more and more risks. Using game theory, a game model between banks and individuals is established to explain how the risks come into being. At last some suggestions about how to avoid the risks are made.
出处
《中国纺织大学学报》
CSCD
1999年第6期9-11,18,共4页
Journal of China Textile University
