近年銀行業務雖不斷推陳出新各項多元化的金融商品，惟房屋貸款授信業務仍是各家銀行主要獲利來源之一，如何在激烈競爭的低利差房貸市場，嚴控授信品質，降低房貸逾期發生機率，強化房貸授信風險，提升業務經營績效，此乃本研究動機。
本研究以A銀行2014年4月至6月間承作新貸或增貸之房屋貸款案件為研究樣本，其中核准案件1,188件、婉拒案件74件，共計1,262件研究樣本數。就房貸案件核准或婉拒結果與客戶個人信用風險高低進行分析研討假設，並就個人信用風險高且日後容易發生逾期之核准案件，探討申貸比及收支比等房貸逾期變數，如何影響借款戶償債能力及還款繳息意願。研究結論建議如下：
一、若授信案件其申貸比及收支比均較低者，其還款來源及債權確保尚在風險可控之範圍，除個案需檢視是否具嚴重之信用瑕疵外，原則建議核准該類授信案件。
二、若授信案件為申貸比較高且收支比較低者，考量不動產景氣反轉因素，借款戶違約機率升高，原則建議降減申貸比至合理範圍，有條件承作該類授信案件。
三、若授信案件為申貸比較低但收支比較高者，評估借款戶信用支付能力較薄弱，原則建議借款戶需提供明確還款來源，始有條件承作該類授信案件。
四、若授信案件其申貸比及收支比均較高者，其還款來源及債權確保均屬風險較高範圍，承作原則除建議降減申貸金額、或徵提借款戶名下其他資產證明、或在法令規範範圍內徵提保證人等授信條件外，否則緩議該類授信案件。

In recent years, the banking business had continued to emerge, not only diversified financial products, but also mortgage credit business were still one of the core contribution of profit, how to adopt in the highly competitive, lower interest rate of mortgage market, credit quality control, reduced mortgage overdue incidence, strengthen the mortgage credit risk and improve business performance which was the motivation of this case study.
In this case study, A bank took for new loans or increase the mortgage loan cases from April to June 2014 commitments for the sample of the case study, there had 1,188 cases in which got approved, declined 74 cases, the total of 1,262 cases. As approved or declined on the results of individual credit risk with customers to analyze the level of discussion assume the mortgage cases and individual credit risk is high and likely to occur in future cases approved overdue discussion for loan application ratio and ratio of mortgage payments overdue variables affect household borrowing solvency and repayment willingness to pay interest. Findings suggest the following：
一、If the credit cases were lower than their loan application ratio and the balance of payments ration lower than those whose source of repayment and debt to ensure that the range is still under controllable risks, in addition to the cases need to examine whether the credit with serious flaws, the principle of recommends to get approval for such of credit case.
二、If the case of credit loan application is relatively high and relatively low payments who consider the real estate boom inversion factor, household borrowing increased probability of default, the principle of recommends to reduce the loan application ratio till to a reasonable extension scope, in conditional commitments for such of credit case.
三、If the case of credit loan application ratio is relatively low, but higher than payments ratio are to assess borrower’s ability to pay household credit is weak, the principle of recommends that the borrower must provide a clear-cut source of repayment household, therefore, it has conditional of commitment for the class of credit cases.
四、If the loan application ratio and its credit and payments are higher than the case, its source of repayment and debt to ensure that the risks are higher range, bearing reducers proposal except for the principle amount of the loan application, or within the scope of the regulate levy mention guarantor or levy mention other assets, such as proof of credit under themselves borrowing conditions, otherwise should be rejected such of credit case.

一、中文部分
1、中華民國銀行公會會員授信準則－102年2月19日全授字第1020000167A號函
2、台灣金融研訓院銀行授信實務概要
3、中華民國銀行公會會員徵信準則－101年8月20日全授字第1010001658A號函
4、財團法人金融聯合徵信中心個人信用評分模型驗證與監控報告－監控基準日期2013/12/31
5、林哲輝(2007)。房屋貸款授信評量模式之個案研究。未出版碩士論文。國立高雄第一科技大學。高雄市。
6、王梅雀(2008)。銀行房屋貸款授信風險評估之研究。未出版碩士論文。國立嘉義大學。嘉義市。
7、高博祥(2008)。我國銀行業房屋抵押貸款違約風險潛在因子之研究-以S銀行為例。國立高雄第一科技大學。高雄市。
8、李仁耀(2009)。房屋貸款提前清償行為之研究。未出版碩士論文。國立東華大學。花蓮縣。
9、蘇玉里(2010)。房屋貸款授信風險因素之探討。未出版碩士論文。國立屏東商業技術學院。屏東縣。
10、趙秋玲(2011)。銀行房貸授信風險控管之研究。未出版碩士論文。國立臺灣科技大學。台北市。
11、陳麗珍(2011)。不動產抵押貸款授信品質之研究-以xx銀行為例。未出版碩士論文。朝陽科技大學。台中市。
12、許玉枝(2011)。房屋抵押貸款提前清償因素之探討。未出版碩士論文。朝陽科技大學。台中市。
13、曾秋華(2011)。客戶貢獻度對消費金融及不動產授信違約與提前清償之實證研究。未出版碩士論文。朝陽科技大學。台中市。
14、江國賢(2012)。信用合作社逾期房貸因素之研究。未出版碩士論文。國立東華大學。花蓮縣。
15、凃朝南(2012)。銀行授信人員知覺企業逾期放款因素之研究。未出版碩士論文。高雄師範大學。高雄市。
16、何俐穎(2012)。銀行授信業務人員與徵審人員對中小企業授信風險評估觀點異同之研究。未出版碩士論文。國立臺灣科技大學。台北市。
17、楊謹鍹(2013)。影響房屋貸款逾期因素之實證分析。未出版碩士論文。國立臺中科技大學。台中市。

二、英文部分
1、von Furstenberg, George M.(1969), “Default Risk on FHA-Insured Home Mortgages as a Function of the Terms of Financing: A Quantitative Analysis,” Journal of Finance, Vol.24, pp. 459-477.
2、Lawrence, Edward C., L. Douglas Smith and Malcolm Rhoades(1992), “An Analysis of Default Risk in Mobile Home Credit,” Journal of Banking and Finance, Vol.16, pp. 299-312.
3、Gardner, M. J. and Mills, D. L.(1989), “Evaluating the Likelihood of Default on Delinquency Loans,” Financial Management, 18, (1), PP. 55-63.
4、Steenackers, A. and Goovaer（1989）,“A Credit Scoring Model for Personal Loans,” Insurance Mathematics Economics,31&34.
5、Har,Neo Poh & Eng,Ong Seow (2004), “Risk Sharing in Mortgage Loan Agreements, Review of Pacific Basin Financial Markets and Policies,” Vol.7, No.2, 233‐258.
6、Strauss, A. and Corbin, J.(1990). Basics of Qualitative Research: Grounded Theory Procedures and Techniques, Sage Publications, Newbury Park, CA.
7、Luor, Ted, C. Hu and H.-P. Lu (2008). “Mind the gap: An empirical study of the intention and actual usage of corporate e-learning programmers in the financial industry.” British Journal of Educational Technology. (SSCI)

三、網站部分
1、金融監督管理委員會－金融資訊 > 金融統計http://www.banking.gov.tw/ch/home.jsp?id=157&parentpath=0,4
2、中央銀行全球資訊網－統計資料 > 金融統計
http://www.cbc.gov.tw/np.asp?ctNode=521&mp=1
3、聯合新聞網－房市情報 > 房市新訊 > 房產投資
http://house.udn.com/house/storypage.jsp?f_ART_ID=301848
4、金融監督管理委員會－法規資訊 > 金融法規資料庫
http://law.banking.gov.tw/Chi/FLAW/FLAWQRY01.asp
5、中央銀行全球資訊網－央行主管法令規章 > 中央銀行法令規章查詢系統
http://www.law.cbc.gov.tw/webCbcExt/wfrmSearch_Law.aspx
6、國家教育研究院－學術名詞釋義
http://terms.naer.edu.tw/detail/1678706/
7、金融監督管理委員會－公告資訊 > 新聞稿
http://www.banking.gov.tw/ch/home.jsp?id=169&parentpath=0,2&mcustomize