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随着房地产市场回暖,住房抵押贷款证券的发行规模也越来越大,其中一个不可回避的问题就是贷款人提前偿付。如何对提前偿付行为进行有效地预测,进而对提前偿付风险进行防范越来越受到关注。本文分析影响提前偿付的因素并提出相对应防范措施。
As the real estate market picks up, the issuance of housing mortgage loan securities is also getting bigger and bigger. One of the unavoidable problems is that lenders pay in advance. How to effectively predict the prepayment and pay more attention to the prevention of prepayment risk. This article analyzes the factors that affect prepayment and puts forward the corresponding countermeasures.