中文摘要

本研究旨在分析房屋擔保貸款之授信風險評估，近年來金融機構普遍認為承作企業貸款風險大，紛紛轉向發展消費金融業務，房屋擔保貸款已成為各家金融機構兵家必爭之地。房屋擔保貸款之特色為金額小，件數多，需要花費大量人力維持業務運作，故審核方式是否快速明確，避免主觀缺失並降低授信風險，即成為這項業務能否成功推展的關鍵之一。因此，金融機構應建立起一套客觀公正之授信評量模式，協助審核人員快速地核定貸款額度，利率及其他授信條件，達到數量化，標準化及自動化之目標。
本研究以國內某家商業銀行為主要研究對象，並以該行目前現欠全部貸放之案件為抽樣母體，正常戶2431 件，逾期三個月以上的不良戶381 件，合計2812 件，並就授信申請書表所載之借戶基本資料，以及財團法人金融聯合徵信中心查詢之信用資料為研究範圍，將不同貸款人的背景與逾期放款之關係加以分析。
本研究之實證結果可歸納為如下：
貸款之顯著風險變數為性別，年齡，學歷，寬限期，家庭年所得，貸款成數，現金卡張數，利率，從債務，是否為整批房貸，擔保品種類。

英文摘要

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