住房按揭贷款在国内银行的资产中正占据着越来越重要的地位,与此同时,按揭贷款的提前偿付行为也困扰着银行业的经营.本文分析了影响住房按揭贷款提前还款的主要因素,尝试建立一个符合我国目前状况的能够预测提前还款模型框架,同时提出我国商业银行个人住房按揭贷款提前还款风险管理的一些策略建议.%Mortgage loans take an increasingly important role in domestic bank's asset. At the same time, mortgage prepayment has been harassing the operating of commercial banks. This paper analyzes the major factors that affect mortgage prepayment and try to establish a prepayment prediction model that suits China's actual situation. Practical suggestions are then put forward for risk management of China commercial banks.
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