A study on the factors of nonperforming mortgages in bank –Case Study in Pingtung

• Main Authors: Te-Yu Chen, 陳德育
• Other Authors: Tzu-Nien Liou
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/xhze52

碩士 === 國立屏東商業技術學院 === 國際企業所 === 100 === The object of this study in the personal housing loan customers from a local owned bank, using cases from 2008 to 2011, in terms of loan approval date, as the population for sampling. In the experimental research, using the Regression Analysis, the apparent features that affect the risks of consumers default on the mortgage under their credit are discussed. This study set mortgage households dependent second category, normal cases and thouse over-due ones, the other independent variables, gender, age, education, marital status, occupation, annual income, children, loan amount, loan term,the interest rate, the rating scale and the collateral is located in the region and work location of the same. The experimental evidence shows that, the interest rate, the rating scale, loan term and marital status are significantly related with the occurrence of over-due cases, it is discovered that bank not only should be cautious about the loan customers’ asset and credit condition as well as those financial changes from time to time, but also need to ask for credit enhancement by a guarantor and other collaterals when necessary. When the approved interest rate is too high, the commercial bank should be more cautious about the occupational stability of the borrower, so as to prevent the occurrence of risks.