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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:29804
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。
6. Increase in loss expectation: the poor performance of RMBS in the year 2006, moody's has revised its methodology and increased average loss expectation by 25% and greater for certain servicers whose performance is poor. And each and every loan is analyzed in the pool in loan level basis if the information is not provided assumptions of 25% loss expectation is factored in to loss expectations.
7. Expansion of loan attributes for subprime loans: moody's has added more parameter in the loan level analysis of probability of default. These new parameters are information of credit history of borrowers in detail, the level of reserves of the borrower, information of borrowers evading taxes and insurance, whether the borrower is first time home owner. Moody's modified their expected loss of loans by first time buyers by 40% compared to seasoned borrower, first time ownership borrowers are 25% more riskier than their counter partners, and self employed borrowers are 10% more riskier than slated income borrowers. These changes in the loan level analysis are to make sure present economic market is captured properly and probability of default is as accurate as possible.
8. Increase in loss expectations for early delinquencies: the delinquency rate of loans originated in the year has more early delinquency rate than any year and maximum percent of these delinquencies are then foreclosures. Keeping in mind this poor performance, moody's has adjusted their loss expectations of delinquency rate for new transactions. Moody's have also incorporated report of lag in to the analysis.
9. Higher originator specific loss coverage: based on the previous performance of the originator securities moody's has increased it loss expectations by 20% for poor performance originators when compared to better performance originators. This differentiation in the originator based loss expectations is because of poor performance of some originators of RMBS when compared to other originators.
Whether changes in the Moody's methodologies have resulted in increase downgrades in the ratings. The analysis of effect of these changes in moody's methodologies on default rate of securities is studies in next section.
4.4 Analysis of effect of updates on issuance and default rate
In this section first let's analyze issuance and default rate and later in the section analyze the effect of updates on default rate.
The servicer wants the rating from the rating agencies for their securities marketability. In this section we will analyze the issuance and default rate of these securities over a period of 1999 till 2007.
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