http://chineseinput.net/에서 pinyin(병음)방식으로 중국어를 변환할 수 있습니다.
변환된 중국어를 복사하여 사용하시면 됩니다.
- 中文 을 입력하시려면 zhongwen을 입력하시고 space를누르시면됩니다.
- 北京 을 입력하시려면 beijing을 입력하시고 space를 누르시면 됩니다.
RISS 인기검색어
- 검색키워드
- 저자 : 여낙상 (검색결과 1 건)
- 무료
- 기관 내 무료
- 유료
-
이정도,여낙상 慶北大學校出版部 2004 經商論集 Vol.32 No.1
The activation of mortgage loans by the Korea Housing Finance Corporation is considered first to make a great contribution to the stabilization of the money market. It is analyzed to reduce the risk of short-term housing loans, to stabilize the money market by absorbing floating funds, and to improve the soundness and the income structure of financial institutions. In particular, the reorganization of the housing loan market into long-term fixed interest rates is expected to reinforce the stability of the housing loan market against the fluctuation of market interest rates and house prices, and the reduction of financial institutions' risk-weighted assets to improve the BIS-based ratio of net worth to total assets base, and the rapid progress of the standardization of mortgage-backed securities to enhance the soundness of home loan assets. In addition, the expansion of asset securitization income, etc. will provide an opportunity for domestic banks to have advanced income structure, and the activation of MBS issued by the Korea Housing Finance Corporation will significantly contribute to the activation of the long-term loan market by complementing the government bond market. Considering domestic financial institutions' ability to manage assets and debts that has limitations in converting maturity structure, the inconsistence of maturities due to lack of long-term loans is considered to remove a severe obstacle to the stability of the macroscopic money market. Lastly, the advancement of the housing loan market is analyzed to expand opportunities for ordinary people to buy their own houses. In order for the policy of activating mortgage loans through the Korea Housing Finance Corporation to overcome problems in the domestic money market and to be successful, the following tasks should be carried out first. First, for the successful settlement of the mortage loan system, it is required to resolve the competitive relationship and develop a cooperative relationship between financial institutions, which should play the role of selling and supplying mortgage loans, and the Korea Housing Finance Corporation. Second, it is necessary to reduce difference between long-term and short-term interest rates. Third, it is required to increase the capital of the Korea Housing Finance Corporation as soon as possible.
연관 검색어 추천
이 검색어로 많이 본 자료
활용도 높은 자료
