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학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
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연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
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초록· 키워드
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The purpose of our research was to study the disposition of the current state of operations of mortgage backed securities. Specifically we looked at the residential lending market. the MBS market. and financial institution operations through aspects of the legal system to accomplish our central goal of developing market stimulation methods. Our subjects included 307 finance practitioners in the Seoul and Gyeonggi Province area. The subjects were asked to participate in an opinion survey in the form of a questionnaire and empirical analysis was performed of the results. The results of our study are as follows.
First. there appeared to be a positive correlation between the housing secured loan market and the legal-system. Thus, suggesting the need for institutional support for the revitalization of the market and in order for active market penetration by the government. Thus. to overcome the above mentioned obstacle. there needs to be an enlargement in the dimension of Loans for Housing supply, as we complement the current system of mortgage of Housing in the majority of housing funds procured from the retail savings market. The government can stabilize housing policies by expansion of the total dimension of housing loans and financial institutions can generate income through various remortgage programs in their home product development as a premise for getting out of housing mortgage debenture.
Second, of the three market stimulating factors, when looked at from the point of view of the MBS market and housing secured loans. among financial institutions, banks and brokerage firms showed positive results while insurance companies showed somewhat negative results. This may be attributed to the low yield and high risk of insurance companies.
Third. results show that legal and institutional factors did not have a significant influence while housing secured loan market factors did show to have a significant influence in housing finance. Therefore, various housing secured loan markets should be developed in order to maximize the revitalization of the MBS market.
First. there appeared to be a positive correlation between the housing secured loan market and the legal-system. Thus, suggesting the need for institutional support for the revitalization of the market and in order for active market penetration by the government. Thus. to overcome the above mentioned obstacle. there needs to be an enlargement in the dimension of Loans for Housing supply, as we complement the current system of mortgage of Housing in the majority of housing funds procured from the retail savings market. The government can stabilize housing policies by expansion of the total dimension of housing loans and financial institutions can generate income through various remortgage programs in their home product development as a premise for getting out of housing mortgage debenture.
Second, of the three market stimulating factors, when looked at from the point of view of the MBS market and housing secured loans. among financial institutions, banks and brokerage firms showed positive results while insurance companies showed somewhat negative results. This may be attributed to the low yield and high risk of insurance companies.
Third. results show that legal and institutional factors did not have a significant influence while housing secured loan market factors did show to have a significant influence in housing finance. Therefore, various housing secured loan markets should be developed in order to maximize the revitalization of the MBS market.
목차
Abstract
Ⅰ. 서론
Ⅱ. 이론적 배경
Ⅲ. 연구방법
Ⅳ. 연구결과분석 및 논의
Ⅴ. 결론
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UCI(KEPA) : I410-ECN-0101-2013-595-000860034