To Discuss Credit Scorecard in The Mortgage Business Application:An Example of One Domestic Bank
Date Issued
2014
Date
2014
Author(s)
SUNG, WEI-EN
Abstract
This study hopes to review the basic attributes of these variables within the mortgage credit scorecard model in some domestic bank, because of in past years the mortgage business rapidly growth and the economic booming whether to adjust this model or not? Meanwhile, we would use the more objective statistical analysis to apply to the mortgage business and loan policy in the future. This study uses the logistic regression and these sample data of historical mortgage loan in order to analyze the new applicant credit situation. For risk management and credit business in banking, it would really reflect the customers'' credit risk and loyalty and reduces average cost and fees and increases the risk tolerance, etc. To build the banks and customers bilateral benefits is important in the meager profit era. Based on house-repairing loan and house-purchase loan in one domestic bank during 2007~2010, we use these data to create the simple and the practical credit score card in order to correct the direction of the relative researches and also hope the banking to accept this methodology. If the banks take the credit score card as the important standard of the mortgage business, this model could reduce the credit risk and raise the quality of the mortgage loan.
Subjects
房貸評分表
房貸業務
授信政策
logit 迴歸
變數因子
Type
thesis
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ntu-103-P00323005-1.pdf
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