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一、个人住房抵押贷款提前还款行为对商业银行的影响个人住房抵押贷款的提前还款行为虽然能使银行提前收回贷款,降低贷款的违约风险,增加银行资金的流动性,但由于个人住房抵押贷款业务是我国商业银行风险较小的优质业务,且目前我国商业银行流动性普遍过剩,因此,提前还款行为事实上在诸多方面都会对商业银行的经营管理产生不利的影响。
First, the impact of personal mortgage prepayment on commercial banks Early prepayment behavior of individual housing mortgage loans can enable banks to early recovery of loans, reduce the risk of default on loans and increase the liquidity of bank funds, but due to personal housing mortgage Loan business is a less risky business of commercial banks in our country. At present, commercial banks in our country have ample liquidity. Therefore, prepayment in fact will adversely affect the management of commercial banks in many respects.