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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/63679

    Title: 二順位房貸產品風險預警分析;Second mortgage product sequence analysis of the risk of early-warning
    Authors: 曾衍傑;Tseng,Yen-chieh
    Contributors: 產業經濟研究所碩士在職專班
    Keywords: logit;二順位房貸;授信政策;金融銀行業;Bank industry;Credit policy;Logit regression;Second-mortgage residential loan
    Date: 2009-07-14
    Issue Date: 2014-05-08 15:15:54 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 中文摘要
    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.
    Appears in Collections:[產業經濟研究所碩士在職專班 ] 博碩士論文

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