| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 91 === The continuously rising ratio for overdue loan and the deterioration of asset quality, They are the main problem to be denounced mostly about the financial institution these years. Why so ? These situations resulted From the combination of Credit investigation and real estate appraisal of financial institution, Besides, the neglect of appraisal ism will also be the main problem.
According to past study, research on the combination of SOM and real estate appraisal are not yet released officially the related articles in domestic. However, there are marry related articles, Which had been continuously issued abroad recent years. This article will explored under the SOM to measure the relatively degree between group residence appraisal and bad Be bit of Banking Loans, To fake advantage of optical analytical technique, We will research and explore how to use the SOM effectively on the multistoried-build. Mansion appraisal. It can be provided the variation of arena mansion value, and the related factors to the financial institution . And the financial institution can take as reference on the percent of real estate mortgage loan and the loan amount risk analysis. It can be decreased the amounts of financial institution bad debits based on objectivity of real estate mortgage loan. To protect the return of loan as well.
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