摘要
抵押是商业银行重要的信用风险缓释技术之一。本报告分析了本轮经济增长中抵押贷款的增长趋势及其风险,比较了国内13家金融机构内部有关抵押的管理制度以及各监管当局现行的抵押监管要求和香港金融管理局抵押品监管指引,指出商业银行要根据抵押资产价格走势调整抵押率、准确定价、充足拨备,避免经营的剧烈起伏。监管当局也要加强经济景气分析和有关抵押资产价格走势分析,对抵押率进行监测,并制定有关抵押问题的监管指引。
Mortgage loan is one of the important technologies to alleviate the credit risk of commercial banks. This report analyzes the increasing trend and risks of mortgage loans in this round economic growth, compares the management rules of 13 domestic financial institutions, and the policies of the regulators and Directives of Collaterals of Hong Kong Monetary Authority. Finally, the authors point out that domestic commercial banks should adjust the ratio, accurate pricing and adequate reserves in line with the asset price to avoid fluctuation of business, and supervisory authority should strengthen the analysis on economic prosperity and asset price of collaterals, observe the ratio, and make regulating directives about mortgage problems.
出处
《金融研究》
CSSCI
北大核心
2008年第3期79-87,共9页
Journal of Financial Research
关键词
抵押贷款
抵押率
监管
mortgage loan
ratio
regulation
