基于SEM模型的个人住房抵押贷款违约影响因素实证研究

Empirical Research on the Defaults Influence Factors upon Mortgage Loans for Existing Houses Based on Structural Equation Model

将结构方程(SEM)模型引入到个人住房抵押贷款违约风险影响因素的研究,改进基于线性、回归方法中只针对违约风险与影响因素之间(潜变量与显变量)的关系的研究,增加影响因素之间(显变量与显变量之间)的相互路径分析,在一个更全面的路径系统中找出主要的影响因素,提出预防和控制违约风险的方法。

Structural equation model（SEM） is used in defaults impact factors study on mortgage loans on existing houses.Compared with linearization method or logistic method which are used to study the relationship on default risk and impact factors（between latent variables and manifest variables）,SEM increased path analysis between each manifest variable.Results,the main factors from model analysis are accurate and comprehensive.Policies relating prevention and control of the risks are proposed.