prepayment risk 中文意思是什麼

prepayment risk 解釋
預付風險：還款高於預定償還金額引起的不明朗因素。

  • prepayment : 預付, 提前償付
  • risk : n 1 風險，危險；冒險。2 【保險】（損失的）風險（率）；保險金額；被保險人，被保險物。vt 冒…的危險...
  1. But as the appearance of floating interest rate in the mortgage this year, the risk of prepayment is becoming more and more serious

    2004年的加息導致了大規模的提前還貸潮，各商業銀行面對如此情形措手不及。
  2. The bonds are callable, to reflect the prepayment risk of the underlying mortgages

    該債券是可贖回的，反映了相應的抵押貸款的提前還款風險。
  3. Further more, some suggestion to chinese commercial bank on how to manage the frm prepayment risk is also presented in this thesis

    此外，從貸款償還方式看，固定利率住房抵押可劃分為等本、等額償還等類型。
  4. Another critical issue is that related parties needs to know their values presicely and this is the main point of this paper. research of mbs value includes 3 areas : 1. forast the mbs cash flows according to borrowers ’ different prepayment rate ; 2. establish mbs risk - prmium interest rate term structure to forcast cash flows. 3. create decident model to value mbs

    Mbs價值研究涉及三個方面問題:一、根據抵押貸款借款人提前償付水平預測mbs未來現金流;二、構建考慮mbs風險溢酬的利率期限結構為預期現金流貼現;三、建立定價模型計算mbs價值。
  5. In the past, no fixed interest rate was used for the mortgage in our country and so the risk of prepayment was not serious and there was not enough research on this subject

    在我國，雖然多年前mbs就已開始試點，但至今仍未大規模推出，所以提前償付風險在我國主要體現在對商業銀行收益的影響上。
  6. The distributor should select the cmo as the tools of mbs, not the mortgage pass - through securities or mortgage bonds. finally, the article gives a brief introduction to the measurement of the prepayment risk, interest - rate risk and the credit risk, additionally, the article analyzes the methods of how to manage the three kinds of risk. the overall objective of this thesis is to propose a working strategy for policy - maker and to offer fresh perspectives for researchers on theory and practice of mbs in china

    本文擬運用金融創新理論，對比住房抵押貸款證券化創新成本和收益的影響因素，對中國住房抵押貸款證券化這一金融創新的可行性進行分析，並具體論述我國住房抵押貸款證券化的方案設計，包括運作模式的選擇，證券化主體spv的構造、證券類型選擇，設計住房抵押貸款證券化風險管理方案。
  7. The common methods that the banks intend to adopt to hedge the early prepayment risk under the streamlined pricing arrangement include prepayment fee, higher mortgage rate in the initial period of the mortgage, and recovery of insurance premium from borrowers at the point of prepayment

    三有關處理簡化保費安排下的按揭提早還款風險，大部份銀行打算採用的方法包括加入提早還款收費調高貸款初期的按揭息率或於提早還款時收回保費。
  8. Since the central bank of china approved the commercial bank to promote frm, chinese commercial bank will encounter the task of how to manage the prepayment risk which is also the central topic of this thesis. for the above reasons, this thesis arms at analyzing the character of frm prepayment risk from the perspectives of option by applying the theories of financial engineering and fixed - income security

    因此，本文寫作的目的在於運用金融工程和固定收益證券理論，從期權角度對固定利率抵押貸款提前償還權進行分析，並對固定利率住房抵押貸款提前償還風險加以研究，在此基礎上對我國商業銀行固定利率住房抵押貸款業務開展和提前償還風險管理提出一些建議。
  9. They will not be subject to prepayment risk and are specifically designed for investors who prefer a stable return on their investment along with the highest credit quality

    該組別不會承受提早償還風險，特別為要求穩定投資回報兼最高信貸質素的投資者而設。
  10. Besides increasing liquidity, standardisation also makes it easier for investors who buy the bonds to forecast and deal with prepayment risk

    除了提高流動性，標準化也使購買這類債券的投資者更容易預測和處理提前還款的風險。
  11. Retail investors holding these notes will not take the prepayment risk arising from the early and unscheduled prepayment of the underlying mortgage loans

    持有此等零售債券的一般投資者，將毋須承受因從抵押按揭貸款產生的提早償還貸款的風險。
  12. 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，在美國預測提前還款的風險相當復雜，要求大量的人口和資信信息，同時還要有充足的市場數據。
  13. Hence prepayment was often neglected, even advocated. this trend has affected the expected return of the commercial banks. however, empirical studies on default risk and prepayment risk of residential mortgages in china are relatively few

    因此，長期以來，因提前償付而形成的主動違約風險就常常被銀行忽視，甚至提前還款還受到銀行的鼓勵，這種趨勢已經在某種程度上影響了銀行的預期收益。
  14. Evaluating credit risk rating has been one of prime content of credit risk management of residential mortgage loans, and there is trend that evaluating credit risk rating with scientific and quantitative methods. under the background mentioned above, this thesis focuses on the empirical analysis about the major determinants of default and prepayment risk

    然而，國內針對上述兩類風險的實證研究還比較缺乏。對住房抵押貸款的信用風險等級的評估已經成為住房抵押貸款信用風險管理的主要內容之一，運用科學的、定量的信用風險分析模型對借款人的信用風險進行評定已是大勢所趨。
  15. It has a fast pay feature as it will, in the first six years, absorb all the excess repayment and prepayment of the whole of the underlying mortgage pool for the issue. it caters for institutional investors who are prepared to take a higher prepayment risk in return for a higher investment yield

    這組別債券具快速還款特點，在首六年吸納所有從抵押按揭貸款所產生的剩餘分期供款及提早還款，因而迎合願意承受較高的提早償還貸款風險去換取較高投資收益的機構投資者。
  16. The prepayment option, like bond issuers ' options to call some bonds before they mature, saddles the lender with more risk

    抵押貸款的提前還款期權和債券發行人擁有的在債券到期前提前償債的期權一樣，也使貸款人承擔了更多風險。
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