With the background of market-oriented interest rate, housing mortgage loans have to face enormous interest rate risks in forms of repricing, optionality, basic risk, and yield curve.

• 在利率即将实现完全市场化的背景下,住房抵押贷款所面对的利率风险主要表现在重新定价风险、内含期权风险、基准风险、收益率曲线风险等方面。