參 考 書 目
一、英文部分
1.Arthur D.Little,Inc.“A Summary of ADL ’s April 1975 Report to the
Federal National Mortgage Association and the Federal Home Loan
Mortgage Corporation,”Nov.1975.
2.Campbell,Tim S and J.Kimball Dietrich,1983,“The Determinants of
Default on Insured Conventional Residential Mortgage Loans,’The
Journal of Finance,Dec.1983,p.1569-1581
3.Canner,Glenn B.,Monisha Mittal,and Wayne Passmore.“Private
Mortgage Insurance,”Federal Reserve Bulletin,Oct.1994,Vol.80,
pp.883-899.
4.Clauretie,Terrence M.,and James R.Webb.The Theory and Practice of
Real Estate Finance,Fort Worth,TX (1993),Chapter 14.
5.Cooper,Geoffrey.“Private Mortgage Insurance:Part of the
Home-ownership Affordability Solution,”NHC News,May 6,1999.
6.———.“Where There's A Will,There's Mortgage Insurance,”MGIC
Bulletin,April 6,1999.
7.———.“A Formula For Savings:Buy A Home With Little Down,”MGIC
Bulletin,February 6,1999.
8.Dennis,Barry,Chionglong Kuo,and Tyler T.Yang.“Rationales of
Mortgage Insurance Premium Structures,”The Journal of Real Estate
Research,1997.
9.Escolas,Edmond L.,and Ronald W.Spahr.“Mortgage Guaranty Insurance:
A Unique Style of Insurance,”The Journal of Risk and Insurance,1986,
Vol.53,pp.308-319.
10.Fitch IBCA.“Mortgage Guaranty Insurance Corp.,”Financial Services
Special Report,October 8,1999.
11.Goodman,Leo A.“On the Exact Variance of Products,”Journal of the
American Statistical Association,Dec.1960,pp.708-713.
12.Goodman,John Jr.and Joseph B.Nichols,1006,“Does FHA Increase Home
Ownership or Just Accelerate it?”,Journal of Housing Economics 6,
184-202
13.Hoff,John R.,and Paul T.Peterson.“Everything in Its Time,”Mortgage
Banking,Jun.1997,pp34-41.
14.Hu,Joseph,1977,Basics of Mortgage-Backed Securities,
15.Kau,James B.,Donald C.Keenan,and Walter J.Muller,Ⅲ.“An
Option-Based Pricing Model of Private Mortgage Insurance,”The Journal
of Risk and Insurance,1993,Vol.60,no.2,pp.288-299.
16.Kau,James B.,and Donald C.Keenan.“An Option-Theoretic Model of
Catastrophes Applied to Mortgage Insurance,”The Journal of Risk and
Insurance,1996,Vol.63,pp.639-656.
17.kendall,Leon T,1964,“Anatomy of the Residential Mortgage Loan,
Property and Borrower Characteristics,”United States Savings and Loan
League Occasional Paper Number Two
18.Kriz,John J.“Major Moves Ahead for MIs,”Mortgage Banking,Apr.1997,
pp.60-67.
19.Larry,Pierzchalski.“Guarding against risk,”Mortgage Banking,Jun.
1996,pp.38-44.
20.Lin,Chin-Tsai and Sshih-yu Yang,2000,“Abnormal Payment of Home
Mortgages in Taiwan ”,PanPacific Management Review,August.
21.Meade,Mike.“The Quiet Revolution,”MGIC Bulletin,January 24,2000.
22.MGIC.Fact book and Directory,1997-98 Edition,.
23.MGIC (1997),Bulletin,“Mortgage Scoring Versus Credit Scoring ”,
10/06/1997.
24.MGIC(1998),“Housing Financing Policy:The Role of Mortgage Insurance
in Developing an Effective and Efficient Mortgage Market,”The policy
paper draft of MGIC,Nov.1998.
25.MGIC(1998),MGIC ’s Underwriting Guide,Revised 1/1998
26.MGIC(1998),Putting the Pieces Together —A Loan Officer ’s Guide to the
Mortgage Loan Process
27.MGIC(1998),The Changed Nature of Risk in Mortgage Finance
28.MGIC(1998),MGIC ’s Default Servicing Guide
29.MGIC(1999),The Annual Report of MGIC Investment Corporation,
1998,1999 .
30.MICA (Mortgage Insurance Companies of America)Fact Book,1999-2000,
pp.12-29.
31.MICA.〝Frequently Asked Questions About Private Mortgage Insurance,”
Available at http://privatemi.com/faq/.
32.Murray,Michael(2001),”Consolidations profit MI companies down
under,”Real Estate Finance Today ,Washington ,Sep 3 ,2001
33.Posner,Louis S.“The Lesson of Guaranteed Mortgage Certificates,”
Harvard Business Review,1948,pp.560-71.
34.Rapkin,Chester.The Private Insurance of Home Mortgages,1973,
Chapter 4-5.
35.Schwartz,Eduardo S.,and Walter N.Torous.“Prepayment,Default,and
the Valuation of Mortgage Pass-through Securities,”Journal of
Business,1992,Vol.65,no.2,pp.221-239.
36.Standard &Poor ’s.“Mortgage Guaranty Insurance Corp.,”Insurance
Ratings Service Analysis,April 21,1999.
37.Steinbach,Gordon H.“A Reasoned Approach to Affordable Housing,”
Mortgage Banking,Sep.1993,pp.67-78.
38.Theobald,Thomas.“Financed Single Premium Programs,”MGIC Bulletin,
January 1,2000.
39.Patrick Lines “The future for Hong Kong securitization ”
International Financial Law Review ,Aug 2001
二、中文部分
1.王裕翔&張金鶚,(2000),「由建築資金變動探討我國建築融資制度」,
我國住宅金融制度之研究部分成果,(由內政部營建署委託),收錄在
2000 年中華民國住宅學會第九屆論文
2.Kendall,Leon T.&呂桔誠(2000),「住屋貸款保險之經濟價值—以美
國房貸保險經驗為例」,核保學報第八卷,民89 年3 月,頁287-301 。
3.王有康(1997),「不動產證券化之研究」,臺灣土地金融季刊,第32卷第2 期,民86 年6 月,頁133-144 。
4.王啟聰(1996),「台中市購屋者對住宅需求之研究」,逢甲大學土地管理研究所碩士論文,民85 。
5.中小企業信用保證基金(2000),青年優惠房屋貸款信用保證作業手
冊,2000 年9 月。
6.太平產險(1997),1090 專案計劃書
7.白金安(1980),「不動產證券化與市地開發之研究」,中興大學都市計畫研究所碩士論文,民78 年。
8.李婉萱(2000),「住屋貸款保險產業風險因子與合理費率結構之探
討」,中山大學財務管理研究所碩士論文,民79 年。
9.林麗敏(1992),「不動產抵押擔保證券之研究」,中央大學財務管理學系碩士論文,民81 。
10.施恩(1993),「住屋貸款還款速度之研究」,台灣大學商學系碩士論文,民82 年。
11.陳慧敏(1992),「由住宅負擔能力與補貼公平探討我國購屋貸款制
度」,政治大學地政研究所碩士論文,民81 年。
12.陳錦村(1995),「銀行授信客戶之風險評估」,中山管理評論,第3 卷第4 期,民84 年12 月,頁1-23 。
13.張金鶚「住宅資訊季報」http:www.housing.nccu.edu.tw
14.張金鶚&彭建文(1999),「空屋餘屋面面觀」,住宅學報第8 期 民國88 年8 月 論壇 頁97~98
15.郭敏華(1997),「銀行對借款人資訊不對稱之衡量」,世新大學學報,第7 卷,民86 年10 月,頁195-217 。
16.彭建文(1994),「台灣地區空屋率之研究」,政治大學地政研究所 碩士論文,民83 年。
17.賴怡妃(2000),「房屋貸款在台發展可行性與相關配套措施研究」,中
山大學財務管理研究所碩士論文,民79 年。
18.盧嘉梧(1994),「房屋抵押貸款評價之選擇權分析」,中央大學財務管理學系碩士論文,民83 年
19.賴建華,「國內購屋貸款人特性之研究」,中國工商學報 第20 期20.委託單位:內政部營建署,研究單位:中華民國住宅學會,(1999),「台
灣地區整體住宅政策之研究」,民國88 年6 月
21.陳慧敏&張金鶚,(2000),「由住宅負擔能力與補貼公平探討我國購屋
貸款制度」,我國住宅金融制度之研究部分成果,(由內政部營建署委
託),收錄在2000 年中華民國住宅學會第九屆論文集