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本文对住房按揭贷款逾期风险决定因素及银行贷款审查决定因素进行了比较研究。研究结果表明:借款人性别、婚姻状况、教育程度、年龄、贷款金额、贷款成数、月还款额与月收入之比等因素对住房按揭贷款逾期风险及银行贷款审查是否通过均有显著影响。通过比较发现,男性借款人贷款申请更容易获得通过,但更容易发生逾期;本地借款人贷款申请更容易获得通过,但外地借款人逾期风险更小;长期限贷款逾期风险更小,但期限对银行审查是否通过并无显著影响;高利率贷款逾期风险更小,但银行审查时高利率贷款更不易通过。
This article makes a comparative study of the determinants of overdue risk of housing mortgage loans and the determinants of bank loans review. The results show that the factors such as the sex of the borrower, marital status, education level, age, loan amount, loan amount, monthly payment and monthly income ratio have significant influence on the overdue risk of the mortgage loan and whether the bank loan passes the examination . By comparison, it is found that the loan application of male borrowers is easier to get through but more likely to be overdue; the application of loan from local borrowers is easier to pass, but the risk of overdue loans of foreign borrowers is smaller; the overdue risk of long- There is no significant impact on the bank’s approval. Higher interest rate loans are less subject to overdue risk, but higher interest rate loans are more difficult to pass at bank examination.