A Study on the Factors Default of Risk for home Mortgage Loan.
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...
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ndltd-TW-096FCU052180092016-05-18T04:13:38Z http://ndltd.ncl.edu.tw/handle/05169892942381708679 A Study on the Factors Default of Risk for home Mortgage Loan. 銀行業房屋貸款違約風險因素之探討 Hsiu-ching Lin 林秀靜 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. Kun-Bao Ling 凌氤寶 2008 學位論文 ; thesis 69 zh-TW |
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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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author2 |
Kun-Bao Ling |
author_facet |
Kun-Bao Ling Hsiu-ching Lin 林秀靜 |
author |
Hsiu-ching Lin 林秀靜 |
spellingShingle |
Hsiu-ching Lin 林秀靜 A Study on the Factors Default of Risk for home Mortgage Loan. |
author_sort |
Hsiu-ching Lin |
title |
A Study on the Factors Default of Risk for home Mortgage Loan. |
title_short |
A Study on the Factors Default of Risk for home Mortgage Loan. |
title_full |
A Study on the Factors Default of Risk for home Mortgage Loan. |
title_fullStr |
A Study on the Factors Default of Risk for home Mortgage Loan. |
title_full_unstemmed |
A Study on the Factors Default of Risk for home Mortgage Loan. |
title_sort |
study on the factors default of risk for home mortgage loan. |
publishDate |
2008 |
url |
http://ndltd.ncl.edu.tw/handle/05169892942381708679 |
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