The empirical study of asymmetric information for mortgage in Taiwan.
碩士 === 朝陽科技大學 === 財務金融系碩士班 === 97 === Abstract The Chiappori and Salani´e (2000) proved that it existed asymmetric information in the market of automobile insurance. We use the unique data form one of banks famously in Taiwan that exceed thirty thousands to study asymmetric information of loan b...
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ndltd-TW-097CYUT53040222015-10-13T12:05:42Z http://ndltd.ncl.edu.tw/handle/64331458960939386124 The empirical study of asymmetric information for mortgage in Taiwan. 台灣不動產抵押貸款不對稱訊息的實證研究 Kun-lin Ho 何昆霖 碩士 朝陽科技大學 財務金融系碩士班 97 Abstract The Chiappori and Salani´e (2000) proved that it existed asymmetric information in the market of automobile insurance. We use the unique data form one of banks famously in Taiwan that exceed thirty thousands to study asymmetric information of loan by mortgage in Taiwan. The result we find that it existed asymmetric information significantly between bank and accommodators. We set up one of default amounts standards to judge the default of accommodators. The result supported to the third control variable which divided default amount from one million five hundred ten thousand dollars and two million dollars are the best methods to solve our problems. According to the result of probit regression , we suggest that the bank`s goal of loaning money for small when the response variable is the qualitative data , our models use quantitative data is better than qualitative data in the response variable as the market of automobile insurance. Keywords:Asymmetric information,mortgage Yih-Bey Lin 林益倍 2009 學位論文 ; thesis 52 zh-TW |
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碩士 === 朝陽科技大學 === 財務金融系碩士班 === 97 === Abstract
The Chiappori and Salani´e (2000) proved that it existed asymmetric information in the market of automobile insurance. We use the unique data form one of banks famously in Taiwan that exceed thirty thousands to study asymmetric information of loan by mortgage in Taiwan. The result we find that it existed asymmetric information significantly between bank and accommodators. We set up one of default amounts standards to judge the default of accommodators. The result supported to the third control variable which divided default amount from one million five hundred ten thousand dollars and two million dollars are the best methods to solve our problems. According to the result of probit regression , we suggest that the bank`s goal of loaning money for small when the response variable is the qualitative data , our models use quantitative data is better than qualitative data in the response variable as the market of automobile insurance.
Keywords:Asymmetric information,mortgage
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author2 |
Yih-Bey Lin |
author_facet |
Yih-Bey Lin Kun-lin Ho 何昆霖 |
author |
Kun-lin Ho 何昆霖 |
spellingShingle |
Kun-lin Ho 何昆霖 The empirical study of asymmetric information for mortgage in Taiwan. |
author_sort |
Kun-lin Ho |
title |
The empirical study of asymmetric information for mortgage in Taiwan. |
title_short |
The empirical study of asymmetric information for mortgage in Taiwan. |
title_full |
The empirical study of asymmetric information for mortgage in Taiwan. |
title_fullStr |
The empirical study of asymmetric information for mortgage in Taiwan. |
title_full_unstemmed |
The empirical study of asymmetric information for mortgage in Taiwan. |
title_sort |
empirical study of asymmetric information for mortgage in taiwan. |
publishDate |
2009 |
url |
http://ndltd.ncl.edu.tw/handle/64331458960939386124 |
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