公教身份對住宅貸款提前清償之實證研究-以C銀行為例

An Empirical Study of Public Servants and Teachers on Real Estate Load Prepayment –Taking C Bank as Example

王仁士(Jen-Shih Wang)

指導教授 ： 張阜民 ； 柯俊禎

朝陽科技大學/管理學院/財務金融系/碩士(2013年)

摘要

當借款人將所借之款項在未到期前即全數清償完畢，即是「提前清償」。而提前清償通常會造成商品壽命較預期短，使銀行發生資金流量與利息收益不確定因素風險，而不動產違約則直接影響銀行業之淨值。
行政院人事行政總處公務人員住宅及福利委員會，結合社會資源於民國95年11月1日開辦「築巢優利貸」方案，對公教人員提供較優惠之房屋貸款利率。這樣的優惠利率是否會使公教人員提前清償呢？本文針對此因素，並加入C銀行自行設計的支出所得比作為銀行授信審核之參考與C銀行客戶對於該行的貢獻度，探討公教人員的身份及客戶貢獻度對不動產提前清償之影響。
本研究以國內C銀行中區（三家分行）長期不動產抵押貸款授信戶為研究對象，資料範圍自民國96年11月1日起至民國99年12月31日止，共計735筆抵押貸款案件(資料數少之主要原因係民國101年10月1日個人資料保護法開始實行後，因受法律限制，故無法取得較多之樣本數，僅取得3家分行的資料)，利用羅吉斯多項式迴歸模型進行分析，依變數為提前清償，共變量加入身份別主要探討公教人員是否較容易提前清償之探討，其中正常案件491件，提前清償案件244件（公教貸款161件、一般貸款574件）。實證結果顯示，身份別並未對提前清償有顯著性的呈現，而是年齡、貸款金額、貸款期限、寬限期、利率及貢獻度金額呈現顯著性。

關鍵字

羅吉斯迴歸 ； 公教人員 ； 貢獻度與支出所得比

並列摘要

When the borrower pay the funds before expired, that is, the "Prepayment." The prepayment will usually shorten the life of product, and make the uncertainty risk of flow of funds and interest income to the bank. In the other hand, default of real estate would directly affect the property value of banking industry.
Total Public Servants Housing and Welfare Committee, Directorate-General of Personnel Administration, Executive Yuan, combined social resources to start "nesting Unisys Loan" program for public servants on November 1st 2006, and provided more favorable mortgage rates to public servants and teachers. Would the preferential interest rate urge them to prepay? In this paper, focused on this factor, added (self-designed expenditure audited income) of C Bank as a crediting reference for bank and measure the contribution of consumer, to discuss how dose the identity of public servants and contribution of consumer effect the “Prepayment”.
In this study, we took Long-term real estate mortgage loans borrowers of three branches in the middle District of domestic bank C as the research target. The data range picked from November 31, 2007 ended December 31, 2010, totally 735 Mortgage case (due to the implementation of Personal Information Protection Act, there is legal restriction in gathering information, we couldn’t obtain more samples. We can only obtain rare information from three branches. ) Using logistic polynomial regression to analyze, the dependent variable is the prepayment, and the …variables is the identity to discuss whether the identity of public servants are easier to do the prepayment. The data include 491 normal cases, and 244 cases of prepayment (161 for public servants, 574 for normal loans). The results show that identity do not have significantly effect the prepayment behavior, but the age, amount of loan, term of loan, grace period, interest rate and the amount of contribution do.

並列關鍵字

contribution and expenditure income ratio ； logistic regression ； public servants and teachers

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