住房抵押贷款偿还过程中的博弈分析  

Study on process of mortgage payment for by game theory

作　　者：陈颖[1] 屠梅曾[1] 

机构地区：[1]上海交通大学安泰经济与管理学院

出　　处：《哈尔滨工业大学学报》2007年第8期1341-1344,共4页Journal of Harbin Institute of Technology

基　　金：国家自然科学基金资助项目(70341015)

摘　　要：研究住房抵押贷款合同签订后,借款人和银行如何根据自身情况在还款阶段进行决策.首先引入一次性还本付息抵押贷款,然后研究了等额本息偿还抵押贷款方式的博弈过程,发现如果商业银行不对借款人的提前还款或者违约行为采取惩罚措施就是纵容该行为.得出结论:对借款人的提前还款行为征收违约金、对借款人的违约行为采取诉讼手段追偿,是防止该行为发生最有效的工具.This paper analyzes how borrower and bank make decisions sign the mortgage contract. Firstly it analyzes the game process of one according to their conditions after they -off payment, and then discusses that of equal installment payment. It is found that if the bank doesn＇t take action, borrower＇s behaviors of prepayment and default will be indulged. Finally we come to a conclusion. Collecting fees is beneficial to prevent from prepayment. Similarly, making the use of juristic measures is the most efficient tools to avoid default.

关 键 词：抵押贷款 提前还款 违约 博弈 

分 类 号：F830.5[经济管理—金融学]