借款人身份影响房贷发放吗?  

Does Borrower Status Affect Residential Mortgage Origination?

作　　者：况伟大[1] 丁言豪 张莹方 贾士军 KUANG Weida;DING Yanhao;ZHANG Yingfang;JIA Shijun(School of Business,Renmin University of China,Beijing 100872,China;School of Management,Guangzhou University,Guangzhou 510006,China)

机构地区：[1]中国人民大学商学院财务与金融系,北京100872 [2]中国人民大学商学院,北京100872 [3]广州大学工商管理学院,广东广州510006

出　　处：《中国软科学》2022年第1期40-49,共10页China Soft Science

基　　金：国家自然科学基金面上项目“利率变动、贷款歧视与房贷风险”(71673284)。

摘　　要：借款人出生地差异本质为移民差异和地区差异,但现有研究未考察借款人出生地差异对房贷发放的影响。对2013年1月至2016年12月广州市二手房交易数据研究发现,相对本地出生借款人,外地出生借款人房贷拒贷率更高,获得本地商业银行贷款概率更低,商业贷款数量更小,但获得公积金贷款概率更高,公积金贷款数量无差异。因此,房贷发放存在明显借款人出生地差异。为解决移民住房融资问题,应改革户籍制度消除借款人出生地差异对房贷发放的影响。Born status gap refers to migration status gap and regional gap per se. Unfortunately, the extant literature fails to explore the effects of born status gaps on mortgage originations. Employing the unique resale transaction data sets of Guangzhou city from January 2013 through December 2016, this research finds that relative to local born borrowers, the non-local born borrowers have higher residential mortgage rejections from lenders. Second, the no-local born borrowers have less likelihood to acquire commercial mortgage but greater likelihood to acquire housing provident fund than local born borrowers. Third, the non-local born borrowers acquire less commercial mortgage than local born borrowers. To satisfy non-local born borrowers’ financing demand for residence, borrower’s born status gaps should be ruled out by virtue of household registration system reform.

关 键 词：出生地身份 移民差异 地区差异 房贷发放 

分 类 号：F832.5[经济管理—金融学]