prepayment risk

Investors are mainly confronted with credit risk and prepayment risk in the course of bank credit asset securitization based on trust, so corresponding measures should be adopted to prevent and control from causing unnecessary losses.

在以信托模式推行银行信贷资产证券化过程中，投资者主要面临着信用风险和提前偿付风险，应该采取相应的措施进行预防和控制，以免造成不必要的损失。

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Considered the influences of prepayment and breach risk, the article makes the model of the cash flow forecasting for Automobile Finance ABS.

考虑到提前还款、违约风险等对现金流的影响，提出了对汽车金融资产支持证券的现金流预测模型。

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Of course, there are many available methods to prevent and manage prepayment risk, for example, issue permits of prepayment, it will needs to do deeper research.

当然，还有很多方法可用以防范并管理提前支付风险，譬如，发放提前支付通行证等，这需要做更深一步的研究。

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For the prepayment risk, I use the PSA standard which developed by the American Public Securities Association, the prepayment model analysis and propose appropriate forecasting method.

对于提前偿付风险，本文采用了美国公共证券协会制定的PSA标准提前偿付模型对提前偿付率进行分析和提出相应的预测方法。

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Through discriminant analysis, the relative importance of each factor variable on the prepayment risk of personal residential mortgage is obtained.

通过判别分析，得出各因子变量对个人住房抵押贷款提前还款风险影响的相对重要性。

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Based on the micro-data of the individual housing mortgage loan, the paper employs a proportional hazard model to explore the prepayment risk factors.

以个人住房抵押贷款的微观数据为基础，运用比例风险模型，探讨影响个人住房抵押贷款提前还款风险的显著因素。

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From a situation as a whole, introduces the overall idea of this article, and the background of the prepayment risk of the commercial banks and related research, includes the background and significance of this paper, literature review.

从全局的角度介绍了论文的整体思路，简单介绍了商业银行提前还款风险的背景与提前还款概率问题的研究状况。

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Finally, this paper suggests the floating penalty rate, which can be linked with the market interest rate and other factors. Fixed-rate mortgage loan contract can also be launched to manage prepayment risk.

最后，本文提出了收取浮动的违约金率的观点，违约金率可以与市场利率等因素挂钩进行定价，也可以推出固定利率抵押贷款合同以管理提前还贷风险。

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Empirical Study on Prepayment Risk Factors of Individual Housing Mortgage Loan

个人住房抵押贷款提前还款风险因素实证研究

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This episode introduces the public loans and the loan prepayment risk. Reviews about the research condition of prepayment models and credit risk models.

具体包括对公贷款介绍、对公贷款提前还贷风险的定义、对公提前还款模型评述、信用风险模型的基本类别与研究状况。

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As the basis; ( 2) To adjust the subsequently annual mortgage loan interest rate by using M-T-M model to confirm the alteration of value of the mortgage loan which related with the prepayment risk and term structure of interest rate in national debt market.

应用M-T-M模型，根据考虑了住房贷款提前清偿风险、国债市场利率期限结构的住房贷款价值的变动情况对贷款初期利率进行年度的定价调整。

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Nearly every country that has achieved universal coverage or come close to this goal has relied on prepayment and risk pooling schemes involving large numbers of participants.

已实现全民覆盖或接近实现这一目标的几乎每个国家都实行了有大量参保者的预付和风险分担计划。

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Forecasting prepayment risk in America, for example, is complicated and requires lots of information about demographics and credit factors, along with plenty of market data.

例如，在美国预测提前还款的风险相当复杂，要求大量的人口和资信信息，同时还要有充足的市场数据。

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In this context, the domestic academia and practitioners started to concern the prepayment risk, and increased research and management efforts.

正是在这样的背景下，国内学术界与实务界才开始关注提前偿付风险，加大了研究与管理力度。

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Studies on the Prepayment Risk about Personal Housing Consumption Loan;

提前偿付风险在住房抵押贷款证券化过程中是不可回避的。

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Based on this, the author looked deep into the house market and economic environment, which led to the prediction of potential risk in the mortgage market in China. Then, the paper worked on the prepayment and default risk of MBS.

在此基础上，作者深入研究了我国住房市场和相关经济环境，并预测了我国住房抵押贷款市场面临的风险。然后，本文对住房抵押贷款证券的早偿风险和违约风险进行了研究。

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Retail investors holding these notes will not take the prepayment risk arising from the early and unscheduled prepayment of the underlying mortgage loans.

持有此等零售债券的一般投资者，将毋须承受因从抵押按揭贷款产生的提早偿还贷款的风险。

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The bonds are callable, to reflect the prepayment risk of the underlying mortgages.

该债券是可以随时偿还的, 这反映了相应的房产抵押贷款的提前还款风险.

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Second, it proposes the solution to prevent the personal housing mortgage loan credit risk, liquidity risk, operational risk, "fake mortgage" risk, prepayment risk and collateral risk.

二是针对个人住房抵押贷款的信用风险、流动性风险、操作风险、假按揭风险、提前还款风险及抵押物风险等提出了风险防范措施。

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In the paper, the prepayment risk of MBS is based on considering mortgage-backed interest rate and house price. Furthermore, the paper puts forward a MBS pricing method of Monte Carlo simulation, and the pricing model of MBS is analyzed by case.

本文MBS提前偿付风险模型是建立在考虑抵押利率和房屋价格变化的基础上，提出了运用蒙特卡罗模拟对MBS进行定价的方法，并运用案例进行了模拟定价。

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The Pricing of Mortgage-Backed Securitilization ( MBS) Based on Prepayment risk

基于提前偿付风险的住房抵押贷款证券化（MBS）产品定价探讨

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Since October 2010, China has raised interest rate four times. It means we have entered a new rate-hike-cycle, which will increase the degree of prepayment risk. The "prepayment boom" is likely to appear again as the last round of rate hikes.

如今，我国已经进入了一个新的加息周期，自从2010年10月以来已经加息四次，这意味着提前偿付风险程度加大，极有可能再次出现像上轮加息周期中的提前还贷潮。

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