English  |  正體中文  |  简体中文  |  Items with full text/Total items : 74010/74010 (100%)
Visitors : 24681523      Online Users : 280
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version

    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/65387

    Title: 次順位房貸風險研究;The Risk Factors of Subordinated Mortgage
    Authors: 范聖昌;CHANG,FAN SHENG
    Contributors: 財務金融學系在職專班
    Keywords: 次順位
    Date: 2014-07-17
    Issue Date: 2014-10-15 15:30:04 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 近年來金融市場一直處於相當不安定的環境,從1990年初開放民營銀行



















    過濾此類風險,讓銀行的獲利可以維持在一定之水平。;In recent ten years, the markets in the whole world are unstable. Credit card

    and cash card crisis in Taiwan as well as Lehman brother scandal contributed

    to the low profit and low interest rate in financial market. It further lowered

    the profits of the banks, including from the traditional saving-loan interest rate

    spread. In addition, due to the worse financial environment, the highly profitable

    or potential businesses have better ability to bargain. It makes the banks have

    lower profits in Corporation Finance. On the other hands, since the individuals

    don’t have as good ability to bargain as the businesses, many banks thus turn to

    put more emphasis on Consumer Finance.

    Traditional consumer financial products are variable, including mortgages,

    car loans, credit cards, credit loans and other consumer loans. In terms of the

    service scope and the loan value, the traditional mortgage still ranks first.

    However, to look for higher profits, the subordinated mortgage may be a better

    choice for the higher interest rate spread. The subordinated mortgage is different

    from the traditional mortgage. It can combine the line of credit, making the

    capital use more flexible. Although the subordinated mortgage has already existed

    in Taiwan market for many years, it is still not that common. The main reason is

    that the banks don’t have good risk control analysis for it. In addition, the service

    part and the convenience part still have much to be improved.

    Traditional financial textbooks think that high returns come with

    high risks. This paper mainly investigated the potential risk factors of the

    subordinated mortgage and tried to find out which one significantly influenced

    the subordinated mortgage. Trying to control these risks, the bank might maintain

    reasonable profit levels.
    Appears in Collections:[財務金融學系碩士在職專班] 博碩士論文

    Files in This Item:

    File Description SizeFormat

    All items in NCUIR are protected by copyright, with all rights reserved.

    社群 sharing

    ::: Copyright National Central University. | 國立中央大學圖書館版權所有 | 收藏本站 | 設為首頁 | 最佳瀏覽畫面: 1024*768 | 建站日期:8-24-2009 :::
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - 隱私權政策聲明