The factor of credit giving for house loan from the perspective of S bank

• Main Authors: Shun-Chi Cheng, 鄭舜吉
• Other Authors: Chih-Hung Hsieh
• Format: Others
• Language: zh-TW
• Online Access: http://ndltd.ncl.edu.tw/handle/thz64k

碩士 === 元智大學 === 管理碩士在職專班 === 103 === This study aims to exploration on credit risk factors of home mortgage loan. The research aims to explore to reduce overdue loans and credit assets quality control, the establishment of an efficient credit assessment model. The case in this research, a domestic bank called S bank, one of her branches in north with mortgage loans service, has been tchoosen as an empirical case for thisstudy; among 100 cases collected in 2008-2014, 81 cases marked as normal, 19 cases entitled overdue, (overdue cases in this study had more than 30 days unpaid principal and interest of the case).. Based on a literature review, the author collected 18 variables and he categorized them into three types; they are household borrowing conditions, real estate collateral, loan conditions. Then he used SPSS20.0 statistical analysis software to analyze data, with cross-analysis, Chi-Square test and correlation analysis, in addition to Logistic regression analysis model and then he established and confiemed a model and a set of hypothese. He found: 1. There is a significant negative correlation between collateral appraisal and whether household borrower has been overdue or not. 2. There is a significant positive correlation between Monthly ratio of receipts and Payments and whether household borrower has been overdue or not. The result of research can be provided as a reference for credit sector of company as a review of the business units, and further more as basis of forwarding the assessment ones.