本文選題：居民購房貸款 + 影響因素��； 參考：《新疆農(nóng)業(yè)大學》2014年碩士論文

【摘要】：長久以來，房地產(chǎn)作為驅(qū)動中國經(jīng)濟的主導(dǎo)產(chǎn)業(yè)，在其飽受詬病的同時，無可否認仍是當今最有力的消費刺激因子。隨著房價逐步攀升，其漲幅已經(jīng)遠超工資漲幅，貸款便成為城市多數(shù)居民消費住房的主要選擇。本文以烏魯木齊市三處中檔住宅小區(qū)200位購房貸款人為例，通過隨機參與首次購房者簽訂購房貸款合同時面對面問詢，在了解樣本區(qū)社會經(jīng)濟狀況、房地產(chǎn)發(fā)展現(xiàn)狀、房價水平及居民收入支出情況的基礎(chǔ)上，對樣本購房貸款行為進行分析，得出居民的購房貸款行為特征，運用二元Logistic模型，對居民購房貸款行為影響因素進行綜合評價，為優(yōu)化居民購房貸款行為提供依據(jù)。文章的內(nèi)容主要包括如下： 第1章引言，首先對烏魯木齊市居民的購房貸款行為影響因素實證研究的背景、目的和重要性進行闡述，其次對文章的研究內(nèi)容、方法和技術(shù)路線進行簡單的介紹。 第2章研究的基礎(chǔ)概念、相關(guān)理論及國內(nèi)外研究綜述。 第3章樣本區(qū)研究設(shè)計，主要是對樣本區(qū)房地產(chǎn)市場發(fā)展現(xiàn)狀、房價走勢、居民人均可支配收入及人均消費支出情況進行分析，提出居民的購房貸款行為影響因素的調(diào)查方法與內(nèi)容，對貸款家庭的基本情況進行了簡要分析。 第4章居民購房貸款行為及特征分析，首先是對貸款人的貸前考量、貸款選擇、貸款狀況評價三個方面進行實證分析，，其次對居民購房貸款行為的特征進行分析。 第5章樣本區(qū)居民購房貸款行為影響因素分析，對居民的購房貸款行為影響因素分為感性意愿影響因素與理性意愿影響因素，利用二元Logistic回歸模型對各因素進行分析，得出影響居民的購房貸款行為的主要因素。 第6章優(yōu)化居民購房貸款行為的對策建議，主要是針對影響居民的購房貸款行為主要因素及購房貸款的行為特征，提出優(yōu)化居民購房貸款行為的建議。 第7章結(jié)論，提出本文結(jié)論。 文章主要得出以下結(jié)論： 第一，居民在購房貸款行為中表現(xiàn)出有限理性；購房貸款人群多為青年、中年這些有較強購房需求以及擁有一定經(jīng)濟基礎(chǔ)的人；受傳統(tǒng)思想的影響，近七成的還貸主體為男性；在購房貸款過程中，人們對國家購房政策認知不足，對政策的看重程度明顯高于人們實際的認知程度；超過半數(shù)的還貸主體全部依靠或部分依靠父母資助首付款；貸款主體的家庭月收入無論是高還是相對較低，均呈現(xiàn)出理性的家庭月支出；貸款家庭的保險擁有情況較好，有較好的抗風險能力；受家庭收入、貸后生活考慮的影響，多數(shù)人選擇長期貸款。 第二，通過二元Logistic回歸模型對居民購房貸款行為影響因素的實證分析得出：年齡、共同還貸人數(shù)、還貸主體、家庭月收入、年利率接受程度、月還款額與月收入比以及對月還款額看法等對居民購房貸款行為影響比較顯著，各因素的影響程度各異。
[Abstract]:For a long time, real estate, as the leading industry driving China's economy, has been criticized, but it is undeniable that it is still the most powerful consumer stimulus. As house prices climb and their gains far outpace wage increases, lending has become a major choice for most urban residents. This paper takes 200 mortgage buyers in three middle-grade residential districts in Urumqi as an example, through face-to-face inquiry when the first-time buyers sign the purchase loan contract, in order to understand the social and economic situation of the sample area and the present situation of the real estate development. Based on the level of house price and the income and expenditure of residents, this paper analyzes the behavior of house purchase loan, obtains the characteristics of the behavior of house purchase loan, and makes a comprehensive evaluation of the influencing factors of the behavior of house purchase loan by using the dual Logistic model. It provides the basis for optimizing the behavior of housing loan. The main contents of the article are as follows: The first chapter introduces the background, purpose and importance of the empirical research on the influencing factors of the housing loan behavior of Urumqi residents, and then introduces the research content, methods and technical route of the article. In chapter 2, the basic concepts, related theories and domestic and foreign research are reviewed. Chapter 3 is the research and design of the sample area, which mainly analyzes the current situation of the real estate market development, the trend of house prices, the per capita disposable income of residents and the per capita consumption expenditure in the sample area. This paper puts forward the investigation methods and contents of the influencing factors of the residents' house purchase loan behavior, and briefly analyzes the basic situation of the loan families. In chapter 4, the author analyzes the behavior and characteristics of residential housing loan. Firstly, it makes an empirical analysis of the lender's pre-loan consideration, loan selection and loan status evaluation. Secondly, it analyzes the characteristics of residential housing loan behavior. Chapter 5 analyzes the influencing factors of the residents' housing loan behavior in the sample area. The influencing factors are divided into perceptual and rational factors, and the binary Logistic regression model is used to analyze the factors. The main factors that influence the housing loan behavior of residents are obtained. In chapter 6, the countermeasures and suggestions to optimize the behavior of house purchase loan are put forward, which mainly aim at the main factors that affect the behavior of house purchase loan and the characteristics of the behavior of the purchase loan, and put forward some suggestions to optimize the behavior of house purchase loan. In chapter 7, the conclusion of this paper is put forward. The main conclusions are as follows: First, the residents show limited rationality in the behavior of housing loan, most of them are young, middle-aged people who have a strong demand for housing and have a certain economic base, under the influence of traditional ideas, nearly 70% of the main repayment of loans is male; In the process of buying a house loan, people do not know enough about the national house purchase policy, and value the policy more than people's actual cognition; more than half of the mortgage payers depend on their parents to subsidize the down payment in whole or in part. Whether the monthly income of the family is high or relatively low, the main body of the loan presents a rational monthly expenditure of the family; the insurance of the loan family has a better condition of possession and a better ability to resist risks; and it is affected by the family income and the consideration of life after the loan. Most people opt for long-term loans. Secondly, through the empirical analysis of the influencing factors of the residential housing loan behavior based on the dual Logistic regression model, the author draws the following conclusions: age, the number of common mortgage payers, the principal part of the loan repayment, the monthly income of the family, the degree of acceptance of the annual interest rate. The ratio of monthly repayment to monthly income and the view of monthly repayment amount have a significant effect on the housing loan behavior of residents, and the influence degree of each factor is different.
【學位授予單位】：新疆農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F299.23;F832.4

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