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• Main Authors: kuo-chang Lee, 李國昌
• Other Authors: Hongming Huang
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/f42cfd

碩士 === 國立中央大學 === 財務金融學系在職專班 === 106 === This study attempts to discuss the effect of the constellation attribute of the home loan customer on the mortgage overdue risk of the house loan term, and try to discuss whether the customer is affected by the different constellations and the customer's overdue mortgage risk situation. If the dichotomy of the constellation is divided, in the analysis results of ANOVA, we find that the customer's mortgage overdue risk will be affected by different customers belonging to different quartile constellations. In multiple regression analysis, the customers of the Aries constellation and the Aquarius constellation attributed to a higher mortgage overdue period; Taurus constellation customers had a lower probability of having a mortgage overdue; the remaining constellation attributes had no effect on the overdue risks of the housing. Therefore, this study proposes that the customer's constellation attributes, although it will make the difference in the characteristics of their mortgage risk, but it can not fully explain the reasons for customers overdue loans. Keyword: Mortgage Overdue Risks, Constellations, Constellation Quartile, ANOVA, Multiple Regression.