信息与计算科学-贷款买房问题的决策分析研究论文

贷款买房问题的决策分析研究摘要 近些年来，由于房地产经济的持续火热，人们对贷款买房也充满了关注。商业性的贷款方式和公积金的贷款方式是目前比较重要的贷款方式。等额本金的还贷方式和等额本息的还贷方式也是目前比较时兴的还贷方式。本文首先是在贷款买房问题和还款问题的分析的基础上，对月还款额、总利息等进行一个递推，运用迭代法，建立一个购房还款模型，对贷款买房问题给予一定程度的决策分析，使工薪阶层的人士买房这个梦想更加合理快捷地变成现实。并且结合一个具体的实例进行求解得出最优方案。最后依据所建数学模型进行数据剖析，对贷款买房的问题进一步探讨。关键词 还款模型 迭代法 决策分析 数据分析The Decision Analysis Of The Problem Of Loan To Buy A HouseAbstract In recent years, thanks to the continuing boom in the real estate economy, people have also been concerned about the purchase of loans. Commercial loans and provident fund loans are currently more important loans. The repayment method of equal principal and the repayment method of equal principal and interest are also relatively fashionable at present. First of all, on the basis of the analysis of the loan purchase problem and the repayment problem, this paper makes a recurrence of the monthly repayment amount, the total interest and so on. By using the iterative method, we establish a house purchase repayment model and give a certain degree of decision analysis to the loan purchase problem, so that the dream of the working class people to buy a house reasonably and quickly become a reality. And we solve the optimal scheme with a concrete example. Finally, according to the mathematical model of data analysis, the problem of loan purchase is further explored.Keywords Repayment model, Iteration, Decision analysis, Date analysis目 录引言......................................................................11.绪论..............................................