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Свойства Линеек Ссудо-Сберегательных Планов

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  • Ильинский Д.Г.

Abstract

В статье (Ильинский, Полтерович, Старков, 2014а) был предложен подход для изучения перехода от ссудо-сберегательных программ ипотечного кредитования к более передовым институтам. А именно рассматривались линейки, т.е. наборы тарифных планов, осуществлявшие плавный переход от субсидируемой ипотеки к коммерческой. Были введены следующие свойства линеек: справедливость, сплошность, правильность, локальная правильность, эффективность. В настоящей статье для широкого класса линеек исследуются связи между данными свойствами. Найдены формулы для выигрышей участников программы от использования данной линейки. Доказано, что линейка правильная тогда и только тогда, когда она локально правильная. Кроме того, показано, что для каждой эффективной линейки существует справедливая эффективная линейка с теми же наборами выигрышей у участников. Получено достаточное условие сплошности эффективной линейки. Результаты позволяют существенно упростить отыскание эффективных (Парето-оптимальных) линеек.

Suggested Citation

  • Ильинский Д.Г., 2016. "Свойства Линеек Ссудо-Сберегательных Планов," Журнал Экономика и математические методы (ЭММ), Центральный Экономико-Математический Институт (ЦЭМИ), vol. 52(2), pages 40-59, апрель.
    • Handle: RePEc:scn:cememm:v:52:y:2016:i:2:p:40-59
    Note: Москва
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    References listed on IDEAS

    as
    1. Scholten, Ulrich, 2000. "Rotating Savings and Credit Associations in Developed Countries: The German-Austrian Bausparkassen," Journal of Comparative Economics, Elsevier, vol. 28(2), pages 340-363, June.
    2. Pnina O. Plaut & Steven E. Plaut, 2004. "The Economics of Housing Savings Plans," The Journal of Real Estate Finance and Economics, Springer, vol. 28(4), pages 319-337, May.
    3. Schlueter, Tobias & Sievers, Soenke & Hartmann-Wendels, Thomas, 2015. "Bank funding stability, pricing strategies and the guidance of depositors," Journal of Banking & Finance, Elsevier, vol. 51(C), pages 43-61.
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