住房抵押贷款提前还款意愿研究

摘要/Abstract

摘要： 个人住房抵押贷款是支持居民购房的重要房地产金融产品，也是商业银行的优质资产。然而，借款人的提前还款会在一定程度上增加商业银行经营管理的不确定性，加大其风险管理的难度。本文构建了提前还款影响因素与个人提前还款意愿的分析模型，基于518份有效问卷数据，运用结构方程模型对理论模型进行了检验。结果表明，资金流入对提前还款意愿存在正向影响；资金流出、积极的理财行为习惯对提前还款意愿存在负向影响。资金流入、积极的理财行为习惯、保守的认知与偏好这三个因素会通过对资金流出的影响从而间接地对提前还款意愿产生一定影响。基于研究结论，本文提出了相应的管理建议。

关键词: 住房抵押贷款, 提前还款, 影响因素, 结构方程模型

Abstract: Residential mortgage loan is an important real estate financial product to support the housing demand of residents, and it is also a high-quality asset of commercial banks. However, borrowers’ prepayment will increase the uncertainty of commercial banks’ operation and management to a certain extent, and the difficulty of their risk management. This paper constructs an analysis model of prepayment influencing factors and individual prepayment willingness, and based on the data of 518 valid questionnaires, tests the theoretical model by use of structural equation model. The results show that among the direct effects of various factors on the willingness to prepay, capital inflow has a positive impact on the willingness to prepay, capital outflow and positive financial behavior have a negative impact on the willingness to prepay. Capital inflow, positive financial behavior, conservative cognition and preference will indirectly affect the willingness to prepay through the impact on capital outflow. Then, the corresponding management suggestions are put forward according to the research conclusions.

Key words: mortgage, prepayment, influencing factors, structural equation model

柯曼綦, 李秀婷, 董志, 董纪昌. 住房抵押贷款提前还款意愿研究[J]. 管理评论, 2024, 36(12): 111-119.

Ke Manqi, Li Xiuting, Dong Zhi, Dong Jichang. Study on Willingness of Mortgage Prepayment[J]. Management Review, 2024, 36(12): 111-119.

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