【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.更多还原

【Abstract】 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.更多还原