| Summary: | 碩士 === 健行科技大學 === 企業管理系碩士班 === 103 === Most of the general house buyers obtained funds through housing loan from the Bank. This kind of housing loan business is one of the main incomes for banks, hence quality of credit assets matters sustainable development of bank. In this research, we make a study of south Taoyuan household mortgages between 1st Jan, 2009 to 31st Dec, 2013 from a northern branch of domestic commercial bank, and we pick samples from approved personal housing loan in the interval. According to relevant information which was provided from clients, data from Joint Credit Information Center, basic information of real estate and related conditions of bank credit, a total of 22 credit factors, we inquire into how it’s related to credit default by descriptive statistical analysis, cross-analysis approach, the chi-square test of independence . Studies have shown there are 12 credit factors, resulting in a significant impact on the credit quality of the probability of default, and established a standard credit mode base on this result.
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