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论文作者:www.51lunwen.org论文属性:硕士毕业论文 dissertation登出时间:2014-09-27编辑:felicia点击率:29791
论文字数:16124论文编号:org201409251350209724语种:英语 English地区:美国价格:免费论文
关键词:非流动性资产资产证券化投资者Asset SecuritizationFinancial Crisis
摘要:资产证券化有什么作用?对金融风险和金融危机有什么影响?如何写好资产证券化留学论文?该从哪里入手?还在等什么,赶快看看这篇文章,这篇文章让你留学美国不再困难,让你申请宾夕法尼亚不再费力,让你留学不再苦恼。
So a perfect platform is laid for housing boom as lending become easy. And people who took mortgages invested in financing new home or refinancing existing homes. Because of this boom in housing prices started to increase ( -3) (-4).
Housing price index (median) is the measure of house prices. It gives better understanding of housing prices trend. If we look at (-3) we can see from the year 1999 till 2006 housing prices started to increase and from then it started to decrease.
Real home price index (-4) is the measure of residential houses price. Home price index includes only those houses under mortgages. So real home price index gives an good idea of how the housing price of those under mortgages increased. During 1999 till 2006 the prices increased rapidly and from there it started to decrease.
So housing price index (median) and real home price index both shows there is increasing pricing trend till 2006. Especially the increase in price of houses under mortgage loans made people borrow more loans and invest in housing sector for more profits.
Proper platform is laid for lending loans and rising housing prices forced many borrowers to take mortgages and invest in booming housing sector for profits.
The rise in mortgage loans can be seen from 5 and 6. The outstanding mortgages as the share of total GDP (percentage) and total mortgages outstanding, the trend is increasing. In 1999 the share of mortgages in total GDP is merely 47.59% where as in 2005 its 69.35% same with total mortgages outstanding i.e. in 1999 its 5055.4 billion dollars and in 2005 its 8660.1 billion dollars.
Non prime mortgages icreseased from 2000 till 2006 and started to drop drastically because of financial crisis. (-7). Analysis data about two thirds of total non prime mortgages consists of subprime mortgages. The subprime mortgages increased rapidly from 457,000 to 2.3 billion in just five years from 2000 to 2005. ALT-A loans too experienced increasing trend from 2000 till 2005. In fact ALT-A percentage increase is much higher than subprime. In 2000 ALT-A constitutes 78,000 loans where as in the year 2005 it's around 1.2 million.
Ease in lending practices, demand for non prime mortgagees resulted in poorer loan performance. This can be seen from -8 and -9. Delinquency is when borrower defaulted one or two months of scheduled payments. When we see performance of 本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。