| 基于风险矩阵的个贷风险评估 |
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| 引用本文： | 林凛,林元庆.基于风险矩阵的个贷风险评估[J].福建工程学院学报,2009,7(4). |
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| 作者姓名： | 林凛 林元庆 |
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| 作者单位： | 福州大学,管理学院,福建,福州,350108 |
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| 基金项目： | 福建省社会科学规划项目 |
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| 摘 要： | 利用风险矩阵方法研究商业银行个人住房贷款风险评估问题.首先构建了风险矩阵,设计了利用风险矩阵对个贷风险评估的基本流程,为个贷风险管理问题提供了一种实用、易行和科学的评估方法,最后给出了风险防范措施.
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| 关 键 词： | 风险矩阵 个人住房贷款 风险评估 |
Risk matrix-based risk assessment of personal housing loan |
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| Lin Lin,Lin Yuanqing.Risk matrix-based risk assessment of personal housing loan[J].Journal of Fujian University of Technology,2009,7(4). |
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| Authors: | Lin Lin Lin Yuanqing |
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| Institution: | College of Management;Fuzhou University;Fuzhou 350108;China |
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| Abstract: | Risk matrix method was adopted to solve the problem of risk assessment of personal housing loan program of the national commercial banks.A risk matrix was constructed and a basic process of risk-matrix-based risk assessment of the housing loan program was designed.Risk control approaches were presented.It is indicated that the risk-matrix based assessment method is a prac-tical and easy method of risk assessment and management of the housing loan program. |
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| Keywords: | risk matrix personal housing loan risk assessment |
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