| Summary: | 碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 107 === In 2008, the US subprime mortgage crisis triggered a financial tsunami, resulting in a credit crunch in the global financial market and a serious lack of liquidity in the financial system. The outbreak of a series of international financial crises highlighted the lack of risk management for financial institutions and became a topic of concern for financial institutions. Since then, the number of financial institutions has increased dramatically, resulting in a high degree of competition in the financial industry. In recent years, the domestic and international financial environment has changed drastically, and the innovation and rapid growth of derivative financial products have led to the increasing complexity and diversification of assets held by financial institutions, and the risks have increased. This study is a case study of the banking industrys development of mortgage credit, in addition to financial tsunami impact analysis, low interest rate factor analysis, case-by-bank, external normative analysis as an empirical analysis of the structure, and provide detailed information on the status and development of the mortgage business. And through in-depth interviews, summing up the senior management experience of the financial sector, and then understanding the factors that banks should consider when making credit decisions for home loans, in order to provide another consideration for the banks credit policy for housing loans.
The main conclusions of this study are as follows: The banking industry should establish a good risk assessment model for borrowers and a zoning system for collateral to reduce losses; loose monetary policy, long-term low-rate era, causing capital to float and thus fuel asset expansion, and interest rate cuts are not It must be a good medicine. The government should return to the market fundamentals in a timely manner, instead of repeatedly intervening. In addition, there must be corresponding supporting measures. Bank loans must be conditioned by the law, and after the financial tsunami, the government will successively offer selective credit. Regulations, high total price mortgage restrictions, luxury tax, real-price registration, real estate tax and other policies, but the intention is good, but it is inevitable, bank mortgages due to the increase in asset value, with loose loans, extended principal allowance, etc. Once the grace period ends or the interest rate rises, there is a risk of default. Yu Xi should learn from the lessons of history to avoid repeating the same mistakes.
In addition, in view of the current status of domestic financial mortgage credit granting and digital technology development, it is recommended that banks should adjust the current real estate market trend and financial environment stability level in accordance with the existing laws and regulations when formulating the business strategy related to mortgage loans. It is not appropriate to transition to technology and technology.
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