| 商业银行个人房地产贷款压力测试初探 |
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| 引用本文： | 刘萍,田春英.商业银行个人房地产贷款压力测试初探[J].科技与管理,2008,10(1):85-87. |
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| 作者姓名： | 刘萍 田春英 |
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| 作者单位： | 哈尔滨理工大学,经济管理学院,黑龙江,哈尔滨,150080 |
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| 摘 要： | 通过我国房地产信贷市场风险因素分析及各种风险管理方法比较，得出将压力测试引入房贷风险管理的必要性、可行性。进一步结合国外理论及实践经验，对个人房地产贷款压力测试体系的整体构架及技术需求进行了深入探讨。
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| 关 键 词： | 个人房地产信贷 压力测试 风险管理 |
| 文章编号： | 1008-7133（2008）01-0085-03 |
| 收稿时间： | 2007-10-28 |
| 修稿时间： | 2007年10月28 |
Approach to commercial bank's stress test on residential mortgage loan |
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| LIU Ping,TIAN Chun-ying.Approach to commercial bank's stress test on residential mortgage loan[J].Science-Technology and Management,2008,10(1):85-87. |
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| Authors: | LIU Ping TIAN Chun-ying |
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| Institution: | LIU Ping, TIAN Chun-ying (School of Economics and Management, Harbin University of Science and Technology, Harbin 150040, China) |
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| Abstract: | Based on both the demonstration of risk factors in real estate loan market and the comparison of various risk management methods,the paper educes the conclusion that using stress test as a way of real estate loan risk management is not only necessary but also feasible. Further more the structure and techniques of a stress test system are discussed in detail,where foreign theories and practice are used as reference. |
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| Keywords: | residential mortgage loan stress test risk management |
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