基于风险矩阵的个贷风险评估  

Risk matrix-based risk assessment of personal housing loan

作　　者：林凛[1] 林元庆[1] 

机构地区：[1]福州大学管理学院,福建福州350108

出　　处：《福建工程学院学报》2009年第4期397-403,共7页Journal of Fujian University of Technology

基　　金：福建省社会科学规划项目(2008C023)

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。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 practical and easy method of risk assessment and management of the housing loan program.

关 键 词：风险矩阵 个人住房贷款 风险评估 

分 类 号：F830.33[经济管理—金融学]