| Summary: | 碩士 === 逢甲大學 === 風險管理與保險研究所 === 96 === Housing load is one of the main businesses in bank industry. This research is mainly discussing the default factors in housing loads. As in risk management tool, providing reasonable analysis and strategy for bank. Hoping to reduce default rate and cut down the amount of lost, hence offer a healthy operation and indemnify general publics’ interests.
This research uses stochastic sampling from some financial institution in Taiwan. Using Logistic regression statistical methodology, and found that the bigger the loan, the higher default risk. Low education level also leads to high default rate. Higher income family and longer loan period has low default rate. However, loan with grace period will lead to default is not what is expecting.
Finally, this research suggests auditing personae to monitor real time statistical information, real estate market, and on job experience to develop a standard. Using computer system, and experts’ experience to make decision, and Suggesting following researcher focuses on natural disaster or social problems.
Giving banks another angle to view the default risk before approving the load to reduce default rate could be expected.
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