不動產抵押貸款中女性是否承擔較高利率條件之探討

The Study of Whether Women Pay More Interest Rates for Real Estate Mortgage

沈榮宗(Jung-Tsung Shen)

指導教授 ： 陳建宏 ； 洪志興

朝陽科技大學/管理學院/財務金融系/碩士(2011年)

摘要

在我國傳統文化的影響下，女性的家庭地位與決策權力多處弱勢，隨著人口結構變遷、教育水準提升、女性意識抬頭，女性積極投入勞動市場，已然成為社會的一股新趨勢，金融產業也感受到這股力量。國內少有針對女性購屋貸款方面的研究，本研究以性別差異進行探討不動產抵押貸款中女性是否承擔較高利率條件，將目前銀行業普遍採用之授信評估要素進行性別差異之分析，希望藉此了解房貸授信對借款人的性別策略是否有明顯差異，進而增進銀行業授信政策的性別平等，及保障女性消費者的權益。
本研究是以國內二家公民營行庫於2001年至2010年間之貸款授信案件為樣本，採用多元迴歸分析進行模型驗證，結果證實借款人的性別對利率加碼呈現顯著性影響，表示不動產貸款中確實有女性借款人的利率比男性借款人利率還高的情況，證明男女性別利率差異的存在。同時探究金融機構對於女性貸款授信評估的差異，分析男女性借款人在房貸授信的影響變數，試圖找出影響女性借款人利率變動差異的關鍵因素，作為金融業放款授信調整及政府部門金融改革策略之參考，並提供金融機構與政府單位研究建議及接續研究者的研究方向等。

關鍵字

利率加碼 ； 多元迴歸 ； 性別差異 ； 不動產抵押貸款

並列摘要

Under the influence of traditional culture, women''s family status and decision-making are disadvantaged. With the change of population structure and the upgrade of education level and the rise of feminist consciousness, It has become a new trend in society that women actively engaged in the labor market. Financial industry are also feel this force.
There is little against the research of women''s housing loan in TAIWAN. This study explored gender differences of whether women pay more interest rates for mortgage. Take analysis of gender differences by the elements of banking mortgage credit assessment. If there are significant differences in mortgage credit assessment to the strategy of borrower''s gender. To increase gender equality of banking mortgage credit policy, and protect the equity of female consumers.
The study is based on the sample that loan cases of two banks in 2001 to 2010. Using multiple regression analysis for model validation. The results confirmed that the borrower''s gender on impact the interest rates overweight showed significant. That means Indeed that the women borrower''s interest rate is higher than men in the mortgage loans. Prove the existence of gender differences in interest rates. And to explore the differences of the mortgage credit loans in financial institutions for women. Analysis the impact of variables between men and women in the mortgage credit loans. Trying to identify the key factors that affect women lender''s interest rate differences. As a reference for adjustment mortgage credit loans of financial institutions and financial reform policies of the government. And to provide the research proposals for financial institutions and government ,and the research directions for follow other researchers.

並列關鍵字

interest rates overweight ； multiple regression ； gender differences ； mortgage loans

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