【作者】 吕宏生； 胡小平； 何建敏；

【Author】 L Hong-sheng HU Xiao-ping HE Jian-min (School of Economics and Management,Southeast University,Nanjing 210096,China)

【机构】 东南大学经济管理学院；

【摘要】 金融机构在借贷过程中扮演中介的角色,牟取利差。如果作为主要资金来源的存储资金短缺时,金融机构将面临着一定的经营困难,借贷支出减少。本文抛开存储资金,而利用资金来源有益补充——金融债券,来匹配分期偿还贷款,并重点研究了不同延迟偿还率下的匹配情况,给出了具体的计算步骤。文章在最后还进行了例证验算。更多还原

【Abstract】 The financid institution plays intermediate role in borrow and loan process,and achieves benefit.If thesaving,as the main funds source,is in shortage,financial institution will be faced by management difficulty,debitand credit on loan expenditure decrease.This text lays aside the saving funds,and makes use of the financial bondto match amortizable loan,gives a specific way of calculation step under the different extension rate of match thecircumstance.Finally,this paper is still proceeding the instance checks to calculate更多还原