ABSTRACT
This research aims at evaluating the risk of home loan, financial institutions generally think that makes enterprises to grant the loan and have a big risk in recent years , turning to and developing consumption financial transaction one after another, the personal home loan has already become the strategic point of every financial institution. The characteristic of the home loan is small for amount of money , there are many pieces , need to spend a large amount of manpower maintaining business operation , so it is fast and clear to verify the way , avoid lacking subjectively and reduce the risk , namely become one of the keys whether this business could be succeeded in promoting. So, the financial institution should set up a set of objective just awarding the way of evaluating the risk, is it verify personnel check and ratify loan amount fast, interest rate and award creed one while being other to help, reach the quantity, the goals of the standardization and automation.
This research regards a domestic commercial bank as the main research object, and owe the parent in order to sample of case that is put of all loans now at present with this bank , 2431 normal samples , 381 bad samples of the above three months overdue , total 2812, and award the basic materials of the borrower of forms contained of letter application , and Joint Credit Information Center seek the credit materials that letter in the center inquires is the research range , analyse the background of different borrowers and overdue relation that make loans.
Research this real example result can be summed up for as follows.
The parameter of risk of showing of the loan is the sex, the age, academic credentials, grace period, family's annual income, round number of the borrowed money, the number of the cash card, interest rate, guarantee debts, whether it is the housing loan of a large number of types, collateral kind
| Identifer | oai:union.ndltd.org:NSYSU/oai:NSYSU:etd-0801106-225546 |
| Date | 01 August 2006 |
| Creators | Lin, Ch-ye |
| Contributors | Jen-Jsung Huang, I-Heng Chen, Chin-Kang Jen |
| Publisher | NSYSU |
| Source Sets | NSYSU Electronic Thesis and Dissertation Archive |
| Language | Cholon |
| Detected Language | English |
| Type | text |
| Format | application/pdf |
| Source | http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0801106-225546 |
| Rights | campus_withheld, Copyright information available at source archive |
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