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ISBN13 | 9788960506992 |
ISBN10 | 8960506990 |
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PART 01
±ÝÀ¶ÅõÀÚ¼¼Á¦
Chapter 01 ±¹¼¼±âº»¹ý 2
SECTION 01 Á¶¼¼ÀÇ Á¤ÀÇ¿Í ºÐ·ù 2
SECTION 02 ÃÑÄ¢ 4
SECTION 03 ³³¼¼Àǹ« 5
SECTION 04 ¼öÁ¤½Å°í, °æÁ¤Ã»±¸ ¹× ±âÇÑ ÈÄ ½Å°í 8
SECTION 05 ±¹¼¼¿ì¼±ÀÇ ¿øÄ¢ 10
SECTION 06 ½É»ç¿Í ½ÉÆÇ 10
Chapter 02 ¼Òµæ¼¼¹ý 12
SECTION 01 ¼Òµæ¼¼ÀÇ ÀÇÀÇ 12
SECTION 02 °ú¼¼¼ÒµæÀÇ ¹üÀ§£º¼Òµæ¿øõ¼³ 12
SECTION 03 ¿ì¸®³ª¶ó ¼Òµæ¼¼ Á¦µµÀÇ Æ¯Â¡ 13
SECTION 04 ³³¼¼Àǹ«ÀÚ 16
SECTION 05 ¿øõ¡¼ö 18
SECTION 06 °ú¼¼±â°£(¼Òµæ¼¼¹ý Á¦5Á¶) 19
SECTION 07 ¼ÒµæÀÇ ±¸ºÐ ¹× °è»ê±¸Á¶ 20
Chapter 03 ÀÌÀÚ¼Òµæ, ¹è´ç¼Òµæ ¹× ¾çµµ¼Òµæ 21
SECTION 01 ÀÌÀÚ¼Òµæ°ú ¹è´ç¼Òµæ 21
SECTION 02 ÀÌÀÚ·¹è´ç¼Òµæ±Ý¾×ÀÇ °è»ê ¹× ±Í¼Ó¿¬µµ 27
SECTION 03 ±ÝÀ¶¼Òµæ¿¡ ´ëÇÑ °ú¼¼¹æ¹ý 29
SECTION 04 ¾çµµ¼Òµæ 36
Chapter 04 Áõ±Ç°Å·¡¼¼¹ý 43
SECTION 01 ³³¼¼Àǹ«ÀÚ¿Í ³³¼¼Àǹ«ÀÇ ¹üÀ§ 43
SECTION 02 ¼¼¾× °è»ê ¹× ³³ºÎ¹æ¹ý 45
Chapter 05 ±âŸ ±ÝÀ¶¼¼Á¦ 47
SECTION 01 ¿Ü±¹ÀÎÀÇ Áõ±Ç¼¼Á¦ 47
½ÇÀü¿¹»ó¹®Á¦ 51
PART 02
Àý¼¼Àü·«
Chapter 01 ¼¼¹«Àü·« : ±ÝÀ¶ÀÚ»ê TAX-PLANNING 54
SECTION 01 Áõ¿©¼¼ Àý¼¼Àü·« 54
SECTION 02 »ó¼Ó¼¼ Àý¼¼Àü·« 57
SECTION 03 ±ÝÀ¶¼Òµæ Á¾ÇÕ°ú¼¼ 59
SECTION 04 ±ÝÀ¶¼Òµæ Á¾ÇÕ°ú¼¼´ë»ó 64
SECTION 05 ±ÝÀ¶¼Òµæ Á¾ÇÕ°ú¼¼ ½ÃÀÇ ±ÝÀ¶°Å·¡ Å뺸 ¿©ºÎ 76
SECTION 06 Á¾Çռҵ漼 ½Å°í¹æ¹ý 78
SECTION 07 Àý¼¼ÇÒ ¼ö ÀÖ´Â ¿Ã¹Ù¸¥ ÅõÀÚ¹æ¹ý 81
½ÇÀü¿¹»ó¹®Á¦ 83
PART 03
±ÝÀ¶»óÇ° °³·Ð
Chapter 01 ±ÝÀ¶È¸»çÀÇ Á¾·ù 86
SECTION 01 ±ÝÀ¶È¸»çÀÇ °³¿ä 86
SECTION 02 ±ÝÀ¶È¸»çÀÇ Á¾·ù 87
PART 04
¿¹±Ý ¹× ½ÅŹ»óÇ°
Chapter 02 ±ÝÀ¶»óÇ°ÀÇ °³¿ä 96
SECTION 01 ±ÝÀ¶»óÇ°ÀÇ ±¸ºÐ 96
SECTION 02 ÀçÇü ¹× Àý¼¼¸ñÀû ±ÝÀ¶»óÇ° 98
½ÇÀü¿¹»ó¹®Á¦ 108
Chapter 01 ¿¹±ÝÀÇ ±¸ºÐ 110
SECTION 01 ¿¹±Ý»óÇ° À¯Çüº° ±¸ºÐ 110
SECTION 02 ¿¹±Ý»óÇ° Ư¼ºº° ±¸ºÐ 113
Chapter 02 ¿¹±ÝÀÇ Á¾·ù 115
SECTION 01 ÀÔÃâ±Ý½Ä ¹× Àû¸³½Ä ¿¹±Ý 115
SECTION 02 ¸ñµ·¿î¿ë»óÇ° 122
SECTION 03 ´ëÃâ °ü·Ã ¿¹±Ý»óÇ° 128
Chapter 03 ½ÅŹ»óÇ°ÀÇ °³³ä°ú Ư¡ 130
SECTION 01 ½ÅŹ°ú ½ÅŹ¾÷ °³³ä 130
SECTION 02 ½ÅŹ»óÇ° Ư¡ 133
Chapter 04 ½ÅŹ»óÇ°ÀÇ Á¾·ù 136
SECTION 01 ±ÝÀü½ÅŹ 136
SECTION 02 Àç»ê½ÅŹ 141
½ÇÀü¿¹»ó¹®Á¦ 146
PART 05
º¸À强 ±ÝÀ¶»óÇ°
Chapter 01 »ý¸íº¸Çè»óÇ° 150
SECTION 01 »ý¸íº¸ÇèÀÇ °³³ä 150
SECTION 02 »ý¸íº¸Çè»óÇ°ÀÇ Á¾·ù 153
Chapter 02 ¼ÕÇغ¸Çè»óÇ° 163
SECTION 01 ¼ÕÇغ¸Çè»óÇ°ÀÇ °³³ä ¹× Ư¡ 163
SECTION 02 ¼ÕÇغ¸Çè»óÇ° Á¾·ù 166
½ÇÀü¿¹»ó¹®Á¦ 183
PART 06
ÅõÀÚ¼º ±ÝÀ¶»óÇ°
Chapter 01 ±ÝÀ¶ÅõÀÚ»óÇ°ÀÇ °³³ä ¹× Á¾·ù 186
SECTION 01 ±ÝÀ¶ÅõÀÚ»óÇ°ÀÇ °³³ä 186
SECTION 02 ±ÝÀ¶ÅõÀÚ»óÇ° Á¾·ù 188
Chapter 02 Æݵå»óÇ° 194
SECTION 01 ÁýÇÕÅõÀڱⱸ °³³ä 194
SECTION 02 ÁýÇÕÅõÀڱⱸ Á¾·ù 197
SECTION 03 ÁýÇÕÅõÀڱⱸ °ü°èȸ»ç 211
SECTION 04 ȯ¸Å, Æò°¡ ¹× ȸ°è 217
SECTION 05 Æݵå»óÇ° À¯Çü 225
Chapter 03 ±âŸ ±ÝÀ¶ÅõÀÚ»óÇ° 236
SECTION 01 ·¦¾îÄ«¿îÆ® 236
SECTION 02 ÁÖ°¡¿¬°èÁõ±Ç(ELS)°ú ÆÄ»ý¿¬°èÆݵå(DLF) 240
SECTION 03 ÁֽĿö·±Æ®Áõ±Ç(ELW) 245
SECTION 04 ȯ¸ÅÁ¶°ÇºÎä±Ç(RP) 252
½ÇÀü¿¹»ó¹®Á¦ 259
PART 07
ÀÚ»êÀ¯µ¿È Áõ±ÇÀÇ ±¸Á¶¿Í »ç·Ê
Chapter 01 ÀÚ»êÀ¯µ¿ÈÁõ±Ç(ABS)ÀÇ ±âº»°³³ä 262
SECTION 01 ÀÚ»êÀ¯µ¿ÈÀÇ ±âº»°³³ä 262
SECTION 02 ÀÚ»êÀ¯µ¿ÈÁõ±ÇÀÇ Á¾·ù 263
SECTION 03 ÀÚ»êÀ¯µ¿ÈÁõ±Ç µµÀÔ ÀÇÀÇ 266
Chapter 02 ÀÚ»êÀ¯µ¿ÈÁõ±ÇÀÇ ±¸Á¶ 273
SECTION 01 ±âº»±¸Á¶ 273
SECTION 02 ¹ßÇà°ú °ü·ÃÇÑ ´Ù¾çÇÑ ÁÖü 275
SECTION 03 Çö±ÝÈ帧 ºÐ¼®°ú ½Å¿ëº¸° 276
Chapter 03 ÀÚ»êÀ¯µ¿ÈÁõ±Ç ÁÖ¿ä ¹ßÇàÀ¯Çü 278
SECTION 01 ´ÜÀÏ SPC ±¸Á¶ 278
SECTION 02 ½ÅŹÀ» ÅëÇÑ À¯µ¿È±¸Á¶ 279
SECTION 03 À¯µ¿È½ÅŹ + À¯µ¿ÈSPC 2´Ü°è ±¸Á¶ 280
SECTION 04 Çѱ¹ÁÖÅñÝÀ¶°ø»ç ÁÖÅÃÀú´çä±Ç ´ãº¸ºÎä±Ç 282
½ÇÀü¿¹»ó¹®Á¦ 283
PART 08
ÁÖÅÃÀú´çÁõ±Ç
Chapter 01 ÁÖÅÃÀú´çÁõ±Ç(MBS) 288
SECTION 01 Àú´ç´ëÃâ½ÃÀå(Primary Mortgage Market) 288
SECTION 02 Àú´ç´ëÃâ À¯µ¿È½ÃÀå(Secondary Mortgage Market) 292
SECTION 03 MBS(Mortgage Backed Securities) 294
SECTION 04 CMO(Collateralized Mortgage Obligation) 299
SECTION 05 ½Å¿ëº¸°(Credit Enhancement) 304
SECTION 06 ¿ì¸®³ª¶óÀÇ MBS Á¦µµ 305
SECTION 07 ¿ª¸ð±âÁö(Reverse Mortgage£º RM) 310
½ÇÀü¿¹»ó¹®Á¦ 314
PART 09
ÅðÁ÷¿¬±Ý
Chapter 01 ÅðÁ÷¿¬±ÝÁ¦µµ 318
SECTION 01 ¿ì¸®³ª¶óÀÇ ³ëÈĺ¸Àåü°è 318
SECTION 02 ÅðÁ÷¿¬±ÝÁ¦µµÀÇ ¿î¿µ 319
SECTION 03 ÅðÁ÷¿¬±ÝÁ¦µµ À¯Çü 322
SECTION 04 ÅðÁ÷¿¬±ÝÁ¦µµ ¿î¿ë»óÇ° 327
SECTION 05 ÅðÁ÷¿¬±ÝÁ¦µµ µµÀÔ È¿°ú 331
SECTION 06 °³ÀבּÝÀÇ ¿ªÇÒ 334
½ÇÀü¿¹»ó¹®Á¦ 336
PART 10
ºÎµ¿»ê °³·Ð
Chapter 01 ºÎµ¿»ê ÅõÀÚÀÇ ±âÃÊ 338
SECTION 01 ºÎµ¿»êÀÇ °³³ä°ú Ư¼º 338
SECTION 02 ºÎµ¿»êÀÇ ¹ý·üÀû Ãø¸é 343
SECTION 03 ºÎµ¿»êÀÇ °æÁ¦Àû Ãø¸é 351
Chapter 02 ºÎµ¿»ê ÅõÀÚÀÇ ÀÌÇØ 357
SECTION 01 ºÎµ¿»ê ÅõÀÚ °áÁ¤ °úÁ¤ 357
SECTION 02 ºÎµ¿»ê ÅõÀÚ °³¿ä 368
Chapter 03 ºÎµ¿»êÀÇ ÀÌ¿ë ¹× °³¹ß 383
SECTION 01 ºÎµ¿»êÀÇ ÀÌ¿ë¿¡ ´ëÇÑ ±ÔÁ¦ 383
SECTION 02 ºÎµ¿»ê °³¹ß 411
½ÇÀü¿¹»ó¹®Á¦ 428
PART 11
ºÎµ¿»ê ÅõÀÚ »óÇ°ÀÇ ÀÌÇØ
Chapter 01 ºÎµ¿»ê ÅõÀÚ ±¸ºÐ 432
SECTION 01 ºÎµ¿»ê ÅõÀÚ¹æ½Äº° ºñ±³ 432
SECTION 02 ºÎµ¿»ê ÅõÀڱⱸº° ºñ±³ 434
Chapter 02 ºÎµ¿»ê ÆݵåÀÇ ÀÌÇØ 437
SECTION 01 ÆݵåÀÇ ±âº» ÅõÀÚ±¸Á¶ ¹× ÀÚ±ÝÈ帧 437
SECTION 02 ºÎµ¿»ê ÆݵåÀÇ À¯Çüº° Ư¡ 438
SECTION 03 ºÎµ¿»ê À§ÇèÀÇ Á¾·ù 442
SECTION 04 ºÎµ¿»ê À§Çè°ü¸® ¼ö´Ü 444
SECTION 05 ±âŸ 448
SECTION 06 ¼öÀÍ·ü ºÐ¼® 449
Chapter 03 ºÎµ¿»ê Æ÷Æ®Æú¸®¿À 452
SECTION 01 Æ÷Æ®Æú¸®¿ÀÀÇ ¼öÀÍ·ü°ú À§Çè 452
SECTION 02 Æ÷Æ®Æú¸®¿ÀÀÇ ºÐ»êÅõÀÚÀÇ È¿°ú 454
Chapter 04 ºÎµ¿»ê °¡Ä¡Æò°¡ 456
SECTION 01 °¡Ä¡¿Í °¡°Ý 456
SECTION 02 ºÎµ¿»ê °¡Ä¡ºÐ¼® °úÁ¤ 458
SECTION 03 ºÎµ¿»ê °¨Á¤Æò°¡ 3¹æ½Ä 463
Chapter 05 ºÎµ¿»êÀÇ ÅõÀÚ°¡Ä¡ ºÐ¼® 472
SECTION 01 ºÎµ¿»ê ÅõÀÚÀÇ ÀÇÀÇ 472
SECTION 02 ÅõÀÚ´ë»ó ºÎµ¿»êÀÇ Çö±ÝÈ帧 473
SECTION 03 ¼öÀÍ·üÀÇ Á¾·ù 477
Chapter 06 ºÎµ¿»ê °³¹ß»ç¾÷ »ç¾÷Ÿ´ç¼º Æò°¡ 479
SECTION 01 ºÎµ¿»ê °³¹ß»ç¾÷ °³¿ä 479
SECTION 02 »ç¾÷Ÿ´ç¼º Æò°¡ ÀýÂ÷ 481
½ÇÀü¿¹»ó¹®Á¦ 491
PART 12
¸®Ã÷¾÷¹«
Chapter 01 ºÎµ¿»ê °£Á¢ÅõÀÚÁ¦µµÀÇ ÀÌÇØ 496
SECTION 01 ºÎµ¿»ê °£Á¢ÅõÀÚÁ¦µµÀÇ °³¿ä 496
SECTION 02 ºÎµ¿»ê °£Á¢ÅõÀÚÁ¦µµÀÇ °æ°ú 497
Chapter 02 ºÎµ¿»ê ÅõÀÚȸ»ç¹ýÀÇ ÀÌÇØ 499
SECTION 01 ºÎµ¿»ê ÅõÀÚȸ»ç¹ýÀÇ ¿¬Çõ 499
SECTION 02 ÇöÇà ºÎµ¿»ê ÅõÀÚȸ»ç¹ýÀÇ ÁÖ¿ä ³»¿ë 500
½ÇÀü¿¹»ó¹®Á¦ 513
±ÝÀ¶ÅõÀÚ¼¼Á¦
Chapter 01 ±¹¼¼±âº»¹ý 2
SECTION 01 Á¶¼¼ÀÇ Á¤ÀÇ¿Í ºÐ·ù 2
SECTION 02 ÃÑÄ¢ 4
SECTION 03 ³³¼¼Àǹ« 5
SECTION 04 ¼öÁ¤½Å°í, °æÁ¤Ã»±¸ ¹× ±âÇÑ ÈÄ ½Å°í 8
SECTION 05 ±¹¼¼¿ì¼±ÀÇ ¿øÄ¢ 10
SECTION 06 ½É»ç¿Í ½ÉÆÇ 10
Chapter 02 ¼Òµæ¼¼¹ý 12
SECTION 01 ¼Òµæ¼¼ÀÇ ÀÇÀÇ 12
SECTION 02 °ú¼¼¼ÒµæÀÇ ¹üÀ§£º¼Òµæ¿øõ¼³ 12
SECTION 03 ¿ì¸®³ª¶ó ¼Òµæ¼¼ Á¦µµÀÇ Æ¯Â¡ 13
SECTION 04 ³³¼¼Àǹ«ÀÚ 16
SECTION 05 ¿øõ¡¼ö 18
SECTION 06 °ú¼¼±â°£(¼Òµæ¼¼¹ý Á¦5Á¶) 19
SECTION 07 ¼ÒµæÀÇ ±¸ºÐ ¹× °è»ê±¸Á¶ 20
Chapter 03 ÀÌÀÚ¼Òµæ, ¹è´ç¼Òµæ ¹× ¾çµµ¼Òµæ 21
SECTION 01 ÀÌÀÚ¼Òµæ°ú ¹è´ç¼Òµæ 21
SECTION 02 ÀÌÀÚ·¹è´ç¼Òµæ±Ý¾×ÀÇ °è»ê ¹× ±Í¼Ó¿¬µµ 27
SECTION 03 ±ÝÀ¶¼Òµæ¿¡ ´ëÇÑ °ú¼¼¹æ¹ý 29
SECTION 04 ¾çµµ¼Òµæ 36
Chapter 04 Áõ±Ç°Å·¡¼¼¹ý 43
SECTION 01 ³³¼¼Àǹ«ÀÚ¿Í ³³¼¼Àǹ«ÀÇ ¹üÀ§ 43
SECTION 02 ¼¼¾× °è»ê ¹× ³³ºÎ¹æ¹ý 45
Chapter 05 ±âŸ ±ÝÀ¶¼¼Á¦ 47
SECTION 01 ¿Ü±¹ÀÎÀÇ Áõ±Ç¼¼Á¦ 47
½ÇÀü¿¹»ó¹®Á¦ 51
PART 02
Àý¼¼Àü·«
Chapter 01 ¼¼¹«Àü·« : ±ÝÀ¶ÀÚ»ê TAX-PLANNING 54
SECTION 01 Áõ¿©¼¼ Àý¼¼Àü·« 54
SECTION 02 »ó¼Ó¼¼ Àý¼¼Àü·« 57
SECTION 03 ±ÝÀ¶¼Òµæ Á¾ÇÕ°ú¼¼ 59
SECTION 04 ±ÝÀ¶¼Òµæ Á¾ÇÕ°ú¼¼´ë»ó 64
SECTION 05 ±ÝÀ¶¼Òµæ Á¾ÇÕ°ú¼¼ ½ÃÀÇ ±ÝÀ¶°Å·¡ Å뺸 ¿©ºÎ 76
SECTION 06 Á¾Çռҵ漼 ½Å°í¹æ¹ý 78
SECTION 07 Àý¼¼ÇÒ ¼ö ÀÖ´Â ¿Ã¹Ù¸¥ ÅõÀÚ¹æ¹ý 81
½ÇÀü¿¹»ó¹®Á¦ 83
PART 03
±ÝÀ¶»óÇ° °³·Ð
Chapter 01 ±ÝÀ¶È¸»çÀÇ Á¾·ù 86
SECTION 01 ±ÝÀ¶È¸»çÀÇ °³¿ä 86
SECTION 02 ±ÝÀ¶È¸»çÀÇ Á¾·ù 87
PART 04
¿¹±Ý ¹× ½ÅŹ»óÇ°
Chapter 02 ±ÝÀ¶»óÇ°ÀÇ °³¿ä 96
SECTION 01 ±ÝÀ¶»óÇ°ÀÇ ±¸ºÐ 96
SECTION 02 ÀçÇü ¹× Àý¼¼¸ñÀû ±ÝÀ¶»óÇ° 98
½ÇÀü¿¹»ó¹®Á¦ 108
Chapter 01 ¿¹±ÝÀÇ ±¸ºÐ 110
SECTION 01 ¿¹±Ý»óÇ° À¯Çüº° ±¸ºÐ 110
SECTION 02 ¿¹±Ý»óÇ° Ư¼ºº° ±¸ºÐ 113
Chapter 02 ¿¹±ÝÀÇ Á¾·ù 115
SECTION 01 ÀÔÃâ±Ý½Ä ¹× Àû¸³½Ä ¿¹±Ý 115
SECTION 02 ¸ñµ·¿î¿ë»óÇ° 122
SECTION 03 ´ëÃâ °ü·Ã ¿¹±Ý»óÇ° 128
Chapter 03 ½ÅŹ»óÇ°ÀÇ °³³ä°ú Ư¡ 130
SECTION 01 ½ÅŹ°ú ½ÅŹ¾÷ °³³ä 130
SECTION 02 ½ÅŹ»óÇ° Ư¡ 133
Chapter 04 ½ÅŹ»óÇ°ÀÇ Á¾·ù 136
SECTION 01 ±ÝÀü½ÅŹ 136
SECTION 02 Àç»ê½ÅŹ 141
½ÇÀü¿¹»ó¹®Á¦ 146
PART 05
º¸À强 ±ÝÀ¶»óÇ°
Chapter 01 »ý¸íº¸Çè»óÇ° 150
SECTION 01 »ý¸íº¸ÇèÀÇ °³³ä 150
SECTION 02 »ý¸íº¸Çè»óÇ°ÀÇ Á¾·ù 153
Chapter 02 ¼ÕÇغ¸Çè»óÇ° 163
SECTION 01 ¼ÕÇغ¸Çè»óÇ°ÀÇ °³³ä ¹× Ư¡ 163
SECTION 02 ¼ÕÇغ¸Çè»óÇ° Á¾·ù 166
½ÇÀü¿¹»ó¹®Á¦ 183
PART 06
ÅõÀÚ¼º ±ÝÀ¶»óÇ°
Chapter 01 ±ÝÀ¶ÅõÀÚ»óÇ°ÀÇ °³³ä ¹× Á¾·ù 186
SECTION 01 ±ÝÀ¶ÅõÀÚ»óÇ°ÀÇ °³³ä 186
SECTION 02 ±ÝÀ¶ÅõÀÚ»óÇ° Á¾·ù 188
Chapter 02 Æݵå»óÇ° 194
SECTION 01 ÁýÇÕÅõÀڱⱸ °³³ä 194
SECTION 02 ÁýÇÕÅõÀڱⱸ Á¾·ù 197
SECTION 03 ÁýÇÕÅõÀڱⱸ °ü°èȸ»ç 211
SECTION 04 ȯ¸Å, Æò°¡ ¹× ȸ°è 217
SECTION 05 Æݵå»óÇ° À¯Çü 225
Chapter 03 ±âŸ ±ÝÀ¶ÅõÀÚ»óÇ° 236
SECTION 01 ·¦¾îÄ«¿îÆ® 236
SECTION 02 ÁÖ°¡¿¬°èÁõ±Ç(ELS)°ú ÆÄ»ý¿¬°èÆݵå(DLF) 240
SECTION 03 ÁֽĿö·±Æ®Áõ±Ç(ELW) 245
SECTION 04 ȯ¸ÅÁ¶°ÇºÎä±Ç(RP) 252
½ÇÀü¿¹»ó¹®Á¦ 259
PART 07
ÀÚ»êÀ¯µ¿È Áõ±ÇÀÇ ±¸Á¶¿Í »ç·Ê
Chapter 01 ÀÚ»êÀ¯µ¿ÈÁõ±Ç(ABS)ÀÇ ±âº»°³³ä 262
SECTION 01 ÀÚ»êÀ¯µ¿ÈÀÇ ±âº»°³³ä 262
SECTION 02 ÀÚ»êÀ¯µ¿ÈÁõ±ÇÀÇ Á¾·ù 263
SECTION 03 ÀÚ»êÀ¯µ¿ÈÁõ±Ç µµÀÔ ÀÇÀÇ 266
Chapter 02 ÀÚ»êÀ¯µ¿ÈÁõ±ÇÀÇ ±¸Á¶ 273
SECTION 01 ±âº»±¸Á¶ 273
SECTION 02 ¹ßÇà°ú °ü·ÃÇÑ ´Ù¾çÇÑ ÁÖü 275
SECTION 03 Çö±ÝÈ帧 ºÐ¼®°ú ½Å¿ëº¸° 276
Chapter 03 ÀÚ»êÀ¯µ¿ÈÁõ±Ç ÁÖ¿ä ¹ßÇàÀ¯Çü 278
SECTION 01 ´ÜÀÏ SPC ±¸Á¶ 278
SECTION 02 ½ÅŹÀ» ÅëÇÑ À¯µ¿È±¸Á¶ 279
SECTION 03 À¯µ¿È½ÅŹ + À¯µ¿ÈSPC 2´Ü°è ±¸Á¶ 280
SECTION 04 Çѱ¹ÁÖÅñÝÀ¶°ø»ç ÁÖÅÃÀú´çä±Ç ´ãº¸ºÎä±Ç 282
½ÇÀü¿¹»ó¹®Á¦ 283
PART 08
ÁÖÅÃÀú´çÁõ±Ç
Chapter 01 ÁÖÅÃÀú´çÁõ±Ç(MBS) 288
SECTION 01 Àú´ç´ëÃâ½ÃÀå(Primary Mortgage Market) 288
SECTION 02 Àú´ç´ëÃâ À¯µ¿È½ÃÀå(Secondary Mortgage Market) 292
SECTION 03 MBS(Mortgage Backed Securities) 294
SECTION 04 CMO(Collateralized Mortgage Obligation) 299
SECTION 05 ½Å¿ëº¸°(Credit Enhancement) 304
SECTION 06 ¿ì¸®³ª¶óÀÇ MBS Á¦µµ 305
SECTION 07 ¿ª¸ð±âÁö(Reverse Mortgage£º RM) 310
½ÇÀü¿¹»ó¹®Á¦ 314
PART 09
ÅðÁ÷¿¬±Ý
Chapter 01 ÅðÁ÷¿¬±ÝÁ¦µµ 318
SECTION 01 ¿ì¸®³ª¶óÀÇ ³ëÈĺ¸Àåü°è 318
SECTION 02 ÅðÁ÷¿¬±ÝÁ¦µµÀÇ ¿î¿µ 319
SECTION 03 ÅðÁ÷¿¬±ÝÁ¦µµ À¯Çü 322
SECTION 04 ÅðÁ÷¿¬±ÝÁ¦µµ ¿î¿ë»óÇ° 327
SECTION 05 ÅðÁ÷¿¬±ÝÁ¦µµ µµÀÔ È¿°ú 331
SECTION 06 °³ÀבּÝÀÇ ¿ªÇÒ 334
½ÇÀü¿¹»ó¹®Á¦ 336
PART 10
ºÎµ¿»ê °³·Ð
Chapter 01 ºÎµ¿»ê ÅõÀÚÀÇ ±âÃÊ 338
SECTION 01 ºÎµ¿»êÀÇ °³³ä°ú Ư¼º 338
SECTION 02 ºÎµ¿»êÀÇ ¹ý·üÀû Ãø¸é 343
SECTION 03 ºÎµ¿»êÀÇ °æÁ¦Àû Ãø¸é 351
Chapter 02 ºÎµ¿»ê ÅõÀÚÀÇ ÀÌÇØ 357
SECTION 01 ºÎµ¿»ê ÅõÀÚ °áÁ¤ °úÁ¤ 357
SECTION 02 ºÎµ¿»ê ÅõÀÚ °³¿ä 368
Chapter 03 ºÎµ¿»êÀÇ ÀÌ¿ë ¹× °³¹ß 383
SECTION 01 ºÎµ¿»êÀÇ ÀÌ¿ë¿¡ ´ëÇÑ ±ÔÁ¦ 383
SECTION 02 ºÎµ¿»ê °³¹ß 411
½ÇÀü¿¹»ó¹®Á¦ 428
PART 11
ºÎµ¿»ê ÅõÀÚ »óÇ°ÀÇ ÀÌÇØ
Chapter 01 ºÎµ¿»ê ÅõÀÚ ±¸ºÐ 432
SECTION 01 ºÎµ¿»ê ÅõÀÚ¹æ½Äº° ºñ±³ 432
SECTION 02 ºÎµ¿»ê ÅõÀڱⱸº° ºñ±³ 434
Chapter 02 ºÎµ¿»ê ÆݵåÀÇ ÀÌÇØ 437
SECTION 01 ÆݵåÀÇ ±âº» ÅõÀÚ±¸Á¶ ¹× ÀÚ±ÝÈ帧 437
SECTION 02 ºÎµ¿»ê ÆݵåÀÇ À¯Çüº° Ư¡ 438
SECTION 03 ºÎµ¿»ê À§ÇèÀÇ Á¾·ù 442
SECTION 04 ºÎµ¿»ê À§Çè°ü¸® ¼ö´Ü 444
SECTION 05 ±âŸ 448
SECTION 06 ¼öÀÍ·ü ºÐ¼® 449
Chapter 03 ºÎµ¿»ê Æ÷Æ®Æú¸®¿À 452
SECTION 01 Æ÷Æ®Æú¸®¿ÀÀÇ ¼öÀÍ·ü°ú À§Çè 452
SECTION 02 Æ÷Æ®Æú¸®¿ÀÀÇ ºÐ»êÅõÀÚÀÇ È¿°ú 454
Chapter 04 ºÎµ¿»ê °¡Ä¡Æò°¡ 456
SECTION 01 °¡Ä¡¿Í °¡°Ý 456
SECTION 02 ºÎµ¿»ê °¡Ä¡ºÐ¼® °úÁ¤ 458
SECTION 03 ºÎµ¿»ê °¨Á¤Æò°¡ 3¹æ½Ä 463
Chapter 05 ºÎµ¿»êÀÇ ÅõÀÚ°¡Ä¡ ºÐ¼® 472
SECTION 01 ºÎµ¿»ê ÅõÀÚÀÇ ÀÇÀÇ 472
SECTION 02 ÅõÀÚ´ë»ó ºÎµ¿»êÀÇ Çö±ÝÈ帧 473
SECTION 03 ¼öÀÍ·üÀÇ Á¾·ù 477
Chapter 06 ºÎµ¿»ê °³¹ß»ç¾÷ »ç¾÷Ÿ´ç¼º Æò°¡ 479
SECTION 01 ºÎµ¿»ê °³¹ß»ç¾÷ °³¿ä 479
SECTION 02 »ç¾÷Ÿ´ç¼º Æò°¡ ÀýÂ÷ 481
½ÇÀü¿¹»ó¹®Á¦ 491
PART 12
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Chapter 01 ºÎµ¿»ê °£Á¢ÅõÀÚÁ¦µµÀÇ ÀÌÇØ 496
SECTION 01 ºÎµ¿»ê °£Á¢ÅõÀÚÁ¦µµÀÇ °³¿ä 496
SECTION 02 ºÎµ¿»ê °£Á¢ÅõÀÚÁ¦µµÀÇ °æ°ú 497
Chapter 02 ºÎµ¿»ê ÅõÀÚȸ»ç¹ýÀÇ ÀÌÇØ 499
SECTION 01 ºÎµ¿»ê ÅõÀÚȸ»ç¹ýÀÇ ¿¬Çõ 499
SECTION 02 ÇöÇà ºÎµ¿»ê ÅõÀÚȸ»ç¹ýÀÇ ÁÖ¿ä ³»¿ë 500
½ÇÀü¿¹»ó¹®Á¦ 513
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1. ¹è¼Û
¹è¼ÛÀº ´çÀÏ ¿ÀÈÄ 5½ÃÀÌÀü(Åä¿äÀÏÀº ¿ÀÈÄ1½Ã)¿¡ ÁÖ¹®¹× °áÀ縦 ÇÏ½Ã¸é ´çÀϹè¼ÛµË´Ï´Ù.
¹è¼ÛÀº ÁÖ¹® ÈÄ °áÀç¿Ï·áÀÏÀ» ±âÁØÀ¸·Î 1~2ÀÏ ¾È¿¡ ¹è¼Û¿Ï·á¸¦ ¿øÄ¢À¸·Î ÇÏ°í ÀÖ½À´Ï´Ù.
´Ù¸¸ ºÎµæÀÌÇÑ °æ¿ì(ÇØ´ç»óÇ°ÀÇ Ç°Àý ¹× ÀýÆÇ) °í°´´Ô²² Àüȸ¦ µå·Á¼ 󸮸¦ ÇÕ´Ï´Ù.
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´Ù¸¸ ºÎµæÀÌÇÑ °æ¿ì(ÇØ´ç»óÇ°ÀÇ Ç°Àý ¹× ÀýÆÇ) °í°´´Ô²² Àüȸ¦ µå·Á¼ 󸮸¦ ÇÕ´Ï´Ù.
2. ¹è¼Û·á
¹è¼Û·á´Â 3¸¸¿ø ÀÌ»óÀÌ °æ¿ì À̱×ÀëÇ÷¯½º¿¡¼ ºÎ´ãÇÏ°í, ¹Ì¸¸ÀÏ °æ¿ì °í°´ÀÌ 2,500¿øÀ» ºÎ´ãÇÕ´Ï´Ù.
´Ù¸¸ ±¸¸Å±Ý¾×ÀÌ 3¸¸¿ø ÀÌ»óÀε¥ Àû¸³±Ý µîÀ» »ç¿ëÇÏ¿© ½ÇÁ¦ °áÀç±Ý¾×ÀÌ 3¸¸¿ø ¹Ì¸¸ÀÌ µÇ´õ¶óµµ À̱×ÀëÇ÷¯½º¿¡¼ ¹è¼Û·á¸¦ ºÎ´ãÇÏ°í, Á¦ÁÖ¸¦ Á¦¿ÜÇÑ µµ¼Áö¿ªÀÇ °æ¿ì´Â 5,000¿øÀÌ Ãß°¡µÈ´ä´Ï´Ù. Çؿܹè¼ÛÀº Àü¾× °í°´ºÎ´ãÀÌ µÈ´ä´Ï´Ù.
5. ¹ÝÇ°/±³È¯
¹ÞÀ¸½Å ³¯ ºÎÅÍ ÀÏÁÖÀÏ À̳» ¹ÝÇ°/±³È¯ÀÌ °¡´ÉÇϽʴϴÙ. ½Ã°£ÀÌ Áö³ª¸é 󸮰¡ ºÒ°¡ÇÔÀ» ¾Ë·Á µå¸³´Ï´Ù. ´Ù¸¸ ÁÖ¹®ÇϽŠ»óÇ°°ú ´Ù¸¥ »óÇ°ÀÌ ¹è¼ÛµÇ°Å³ª Æĺ», ³«ÀåÀÌ ÀÖ´Â µµ¼ÀÇ °æ¿ì ÀÌ¿ë¾à°ü¿¡ ÁØÇÏ¿© À̱×ÀëÇ÷¯½ºÀÇ ºñ¿ëÀ¸·Î ±³È¯, ¹ÝÇ° ¹× ȯºÒ µîÀ» Çص帳´Ï´Ù.
¹ÞÀ¸½Å ³¯ ºÎÅÍ ÀÏÁÖÀÏ À̳» ¹ÝÇ°/±³È¯ÀÌ °¡´ÉÇϽʴϴÙ. ½Ã°£ÀÌ Áö³ª¸é 󸮰¡ ºÒ°¡ÇÔÀ» ¾Ë·Á µå¸³´Ï´Ù. ´Ù¸¸ ÁÖ¹®ÇϽŠ»óÇ°°ú ´Ù¸¥ »óÇ°ÀÌ ¹è¼ÛµÇ°Å³ª Æĺ», ³«ÀåÀÌ ÀÖ´Â µµ¼ÀÇ °æ¿ì ÀÌ¿ë¾à°ü¿¡ ÁØÇÏ¿© À̱×ÀëÇ÷¯½ºÀÇ ºñ¿ëÀ¸·Î ±³È¯, ¹ÝÇ° ¹× ȯºÒ µîÀ» Çص帳´Ï´Ù.
4. ȯºÒ
¹ÞÀ¸½Å ³¯ºÎÅÍ 2ÀÏ À̳»·Î Àüȳª 1:1 °Ô½Ã±Û·Î Àû¾îÁÖ¼Å¾ß °¡´ÉÇϽʴϴÙ.
5. ÁÖÀÇ
°í°´´Ô º¯½ÉÀ¸·Î ÀÎÇÑ ±³È¯/¹ÝÇ°/ȯºÒ °í°´´Ô²²¼ Åùèºñ(¿Õº¹Åùèºñ)¸¦ ºÎ´ãÀÌ µÇ´Ï ÀÌÁ¡ À¯ÀÇÇØ ÁֽʽÿÀ. ¶ÇÇÑ °ÀÇÅ×ÀÙ/¾ãÀº¹®Á¦Áý/ºñ´ÒÆ÷ÀåµÈÁ¦Ç°µîÀº Çѹø ±¸¸ÅÇÏ½Ã¸é ±³È¯/¹ÝÇ°/ȯºÒÀÌ ÀüÇô ¾ÈµË´Ï´Ù. ½ÅÁßÈ÷ »ý°¢Çϼż ±¸¸Å ºÎŹµå¸³´Ï´Ù. ´Ù¸¸ ºÒ·®Å×ÀÙÀÇ °æ¿ì ±× ºÒ·®ÀÌ µÈ °³º°Å×ÀÙÀ» À̱×ÀëÇ÷¯½ºÀÇ ºñ¿ëÀ¸·Î A/S¸¦ Çص帳´Ï´Ù.
6. ÁÖ¹®Ãë¼Ò, ±³È¯, ¹ÝÇ° ¹× ȯºÒÀº ´çÀÏ 5½Ã ÀÌÀü¿¡ ÇØÁÖ¼Å¾ß °¡´ÉÇÕ´Ï´Ù.
±× ÀÌÈÄ´Â ¹è¼Û µî¿¡ µû¸¥ Á¦ºñ¿ëÀ» ºÎ´ãÇÏ¼Å¾ß ÇÕ´Ï´Ù.