中国个人住房抵押贷款提前偿付风险影响因素的实证研究——来自山东烟台的调查证据  

An Empirical Studies on the Impact Factor of Individual Housing Mortgage Loan Reimburses Ahead of Time in China: Evidence from a Survey in Yantai,Shandong Province

作　　者：马宇[1] 

机构地区：[1]山东工商学院经济学院,山东烟台264005

出　　处：《统计与信息论坛》2011年第3期94-100,共7页Journal of Statistics and Information

基　　金：国家社会科学基金项目<基于风险分担机制变迁的美国次贷危机形成与扩散机理及其启示研究>(09BJL037);山东省自然科学基金项目<基于金融体系风险分担机制变迁的银行经营模式转型与银行安全>(Y2008H34);教育部人文社会科学研究规划项目<基于风险分担机制变迁的国际金融危机与中国金融安全>(09YJA790123)

摘　　要：利用从烟台市某商业银行调研得到的微观数据样本,实证研究中国个人住房抵押贷款提前偿付的影响因素。结果发现:借款人年龄越大、学历越高,提前偿还贷款的概率越大;贷款数额越大、贷款期限越长,借款人提前偿付的概率越大;首付比率高的借款人提前偿付概率较高;外地人比当地人更具有提前偿付的可能性;借款人的债龄越长,提前偿付的可能性越大;借款人的性别、婚否、家庭人口数量、工作行业和月还款额占家庭收入比率等因素对提前偿付的影响不显著。This article uses the microscopic sample data which obtained from an investigation of some commercial banks.The paper studies the impact factor of individual housing mortgage loan reimburses ahead of time in China.The results show that,the older the borrower＇s age,the higher the repute is;the bigger the loan amount,the longer the loan deadline,and the higher the tendency of the borrower＇s reimburses ahead of time.Also the people from other place have the possibility compared to the native which reimburses ahead of time;borrower＇s debt age is longer,the possibility of the reimbursement ahead of time is bigger.But borrower＇s sex,the marriage status,family size,the profession and the ratio of monthly repayment to family income do not have an impact on the time of reimburses ahead of time.

关 键 词：个人住房抵押贷款 提前偿付 截面数据 

分 类 号：C812[社会学—统计学]