Second mortgage product sequence analysis of the risk of early-warning

• Main Authors: Yen-chieh Tseng, 曾衍傑
• Other Authors: Jong-Rong Chen
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/46172853098536128727

碩士 === 國立中央大學 === 產業經濟研究所碩士在職專班 === 97 === Abstract In several years, consumer loans business has been promoted in the financial market. As keen competition in the market has eroded the banks’ profits, the second-mortgage residential loan is considered one of the new development areas. Based on auditing processes of the second-mortgage residential loan lies in between housing and credit loans and the collaterals with less valuable, it is recognized that inspecting payment abilities of borrowers play a critical role in mitigating the relevant risks of banks’ activities. By drawing on a borrower database, this study evaluates the effect of borrowers’ conditions, collateral types, loan sources, and auditing conditions on the overdue of the second-mortgage residential loan by employ logit regression. The empirical results support that loan sources, collateral types, and the number of holding financial products have an important impact on the overdue of the second-mortgage residential loan, providing bank manages some information for drawing on credit policy in the furture.