The Study of Impacts of U.S. Subprime Loans Crisis on Domestic Mortgages Credit Strategies

• Main Authors: Hsiou-Ling Hsiao, 蕭秀玲
• Other Authors: Pi-Fem Hsu
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/04259242773420100917

碩士 === 義守大學 === 財務金融學系碩士班 === 98 === The subprime mortgage crisis occurred in 2007 because of the increasing of the default rate of subprime. Due to the links of financial products, the subprime mortgage crisis caused the stock market fell sharply and led to the global credit crunch. The purpose of the study is to explore the changes of banks’ lending strategy after the financial crises. This factor analysis is adopted to establish the dimensions and variables for a bank to consider the house loan credit. The factors are divided into three dimensions which include integrity and solvency of customers, loans considerations, housing appraisal value. The study also uses the ANOVA analysis to test the different effect of the free factors. The empirical results show that a bank’s type and the experience of employers have significant difference on the view of house loan credit. Finally, the study suggests that we should set different credit rating criteria for each banks’ development.