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Thesis (M.A.)--Virginia Polytechnic Institute and State University, 1994. / Vita. Abstract. Includes bibliographical references (leaves 109-121). Also available via the Internet.

Thesis (M.B.A.)--Globe University/Minnesota School of Business, 2008. / Includes bibliographical references (leaves v-xxii).

Thesis (MBA) -- Stellenbosch University, 2012. / ENGLISH ABSTRACT: The elements of concern around ethics and how individuals conducted business were highlighted as key contributors to the economic recession experienced globally, especially after the sub-prime crisis in 2008. The subject matter of corporate governance and good governance has therefore become highly relevant. South Africa, although affected by the economic crisis, was not as affected as the United States and most first-world and developed countries, due to strong legislation and governance within our financial frameworks. Although South Africa was not exempt from the fallout, and our real estate market also entered an economic recession, the impact was far less than in the United States and other developed countries. This research study explores one of the elements or stakeholders of the real estate market, namely, the mortgage origination industry and the lack of a governance framework for this industry. The advantages and benefits to the industry should a framework be adapted are investigated. The mortgage origination industry in South Africa, and even globally, is a relatively new business concept, which emerged approximately ten years ago. Most countries have adopted a governance and regulatory framework; however, South Africa has not implemented an accepted industry body that has been properly scoped and implemented and is adding material benefit. The National Association of Mortgage Originators (NAMO) was a body established under the pretences of becoming the regulatory framework; however, this has fallen well short of expectations and has been subject to much ridicule and lacks any integrity. In reviewing the various governance models across the globe and even more specifically the mortgage industry frameworks, this report presents a proposed framework, and argues that the appropriate model in the South African environment would be one of self-regulation, as opposed to a legislated framework. The benefits and advantages of the self-regulated framework outweigh the legislative frameworks and are presented as the appropriate model for the South African mortgage origination industry.

房屋貸款商品的選擇多樣化，房貸借款人想要用最低的成本攤還貸款而貸款的金融機構利用不同型態貸款商品的推出滿足不同的客戶使其利潤極大化。 有一種貸款商品的概念，藉由不同型態的設計吸引高風承受力及低風險承受力的借款，利用一些結構式商品設計的概念，將其每期利息支付重新連結到資本市場，利用不同參與率與分享比率的配置使其有機會提早還清貸款。 本文採用結構型商品的模型，利用極大值選擇權及蒙地卡羅等數值方法，模擬在不同商品契約下，未來可能提前清償還本的可能性。以此做為未來銀行等金融機構發行貸款商品時的參考方向。 / There are various types of mortgage products in the mortgage market. Borrowers always want to choose the best case to repay their mortgage loans, whereas lenders tend to maximize their profits by designing new mortgage products which seem to meet the needs of borrowers. Now we have a new design of mortgage products which can attract both high risk-bearing and low risk-bearing borrowers. In the first structure, the mortgage loan is in the form of a traditional fixed-rate mortgage loan with a mechanism which allows borrowers to re-invest their periodical interest payments into risky assets in the capital market. Therefore, borrowers can enjoy the chance to fully repay their mortgage loans if they gain profits in this mechanism. In contrast, borrowers could lose money if their re-investment amount suffers loss. In the second structure, like the fixed-rate mortgage loans, borrowers repay periodically based on the contract mortgage rates set in the initial time they borrow. What’s different is that we have a period where borrowers can accelerate their principal repayment if the asset pools have high rate of return. Besides, we do some scenario analysis based on the virtual contracts we set up and then discuss the potential effects on this mortgage product.

Thesis (B.Sc)--University of Hong Kong, 2004. / Includes bibliographical references (p. 111-117)

2008, the subprime mortgage of America caused the global financial crisis since 1930. The semiconductor company, Qimonda claimed bankrupt protection due to final issue. Most semiconductor companies including DRAM, IDM were hurt deeply by the financial crisis. This study researches by interviewing and referring the related documentation to understand the semiconductor industry¡¦s history and current situation. And provide the possible management strategies while the financial crisis occurring.

Mortgage insurance (MI), is the insurance which a insurer guarantees that it will pay a certain portion of top tier mortgage loss to financial institution (insured) when the debtor defaults. Because the insurer shares the decreasing risk of collateral value, the bank is willing to lend homebuyer more money. The homebuyer can use low down payment (3%-10% in American) to buy a house so that he can shorten the waiting time of saving enough down payment. By this mechanism, the homebuyer, financial institution and house market all can benefit. Besides, mortgage insurance has the credit enhancement function in second mortgage market, and it helps the real estate securitization. The goal of this thesis is to introduce the mechanism of mortgage insurance in American and to analyze how it works in Taiwan. After estimating the need in Taiwan, I present some suggestions and I hope that mortgage insurance is available in Taiwan as soon as possible so that young people and earthquake 921 sufferers can make their owing house dream come true earlier.

Thesis (M.U.D.)--University of Hong Kong, 1996. / Includes bibliographical references.

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