组合贷款是指，符合个人住房商业性贷款条件的借款人又同时缴存住房公积金的，在办理个人住房商业贷款的同时还可以申请个人住房公积金贷款，即借款人以所购本市城镇自住住房（或其他银行认可的担保方式）作为抵押可同时向银行申请个人住房公积金贷款和个人住房商业性贷款。
第三章建立了基于有上界限制的组合贷款决策优化模型。
In the third chapter we build a bank loan portfolio optimization model on the ground of upper limits.
个人住房贷款分为自营性住房贷款、委托住房贷款和组合贷款。
Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans.
从而模拟各个企业不同破产率时的贷款收益，确定出了组合贷款之间的相关性。
Then, we simulate the return of the loan in different enterprise bankrupt rate and ascertain the correlation of the loan.
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