| dc.contributor.advisor | 姜堯民 | zh_TW |
| dc.contributor.author (Authors) | 孫士育 | zh_TW |
| dc.creator (作者) | 孫士育 | zh_TW |
| dc.date (日期) | 2003 | en_US |
| dc.date.accessioned | 2009-09-14 | - |
| dc.date.available | 2009-09-14 | - |
| dc.date.issued (上傳時間) | 2009-09-14 | - |
| dc.identifier (Other Identifiers) | G0087357017 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/30955 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 財務管理研究所 | zh_TW |
| dc.description (描述) | 87357017 | zh_TW |
| dc.description (描述) | 92 | zh_TW |
| dc.description.abstract (摘要) | 抵押貸款提前清償對金融機構及不動抵押擔保證券的投資人是一種風險，其會使得抵押擔保擔保證券的現金流量及存續期間的影響最不確定。國內在學術研究上，關於銀行與壽險公司在提前清償方面之比較的文獻仍是少數，因此，本論文主要是探討銀行與壽險公司之借款人抵押貸款提前清償的個別行為模式，進而比較兩行為模式的差異性，希望未來金融機構在評估不動產抵押擔保證券的價值時，必須考慮對不同的金融機構有不同的評估標準。 本研究利用某銀行與某壽險公司的個人住宅抵押貸款資料，將資料分成個人條件、貸款契約條件、地區經濟三大面共十個變數，探討造成提前清償的可能因素及分析銀行與壽險公司在提前清償的行為有何不同，使用的計量方法為Logit模型、CHOW Test、及Testing for Structural Stability of Regression Model（Gujarati，1995），實證結果顯示，不管是銀行或壽險公司，性別、年齡、攤還期間、契約利率、貸款成數、屋齡對提前清償有一致的行為，其中契約利率對兩者尤其顯著；而所得、貸款金額、所在地則會因償還的對象而有不同的提前償還行為。 | zh_TW |
| dc.description.tableofcontents | 第一章 緒論 1 第一節 研究背景 1 第二節 研究目的 3 第三節 研究架構 5 第二章 理論探討 7 第一節 提前清償的原因 7 第二節 實務上常用之提前清償估計的方法 10 第三節 金融機構不動產放款之差異性 13 第三章 提前清償相關文獻回顧 22 第四章 研究設計 29 第一節 資料來源 29 第二節 變數說明 29 第三節 計量方法 34 第五章 實證結果分析 49 第一節 提前清實證結果分析 49 第二節 結構分析（一） 59 第三節 結構分析（二） 60 第六章 結論與建議 64 參考文獻 67 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0087357017 | en_US |
| dc.subject (關鍵詞) | 提前清償之因素 | zh_TW |
| dc.subject (關鍵詞) | 結構性 | zh_TW |
| dc.subject (關鍵詞) | 結構性差異 | zh_TW |
| dc.title (題名) | 銀行與壽險公司房屋借款提前清償差異之探討 | zh_TW |
| dc.type (資料類型) | thesis | en |
| dc.relation.reference (參考文獻) | 一、中文部分 | zh_TW |
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