Abstract
Whether the borrower is engaging in default risk behavior is bound to be driven by some incentives as judged by internal and external observable variables; or it can be observed from some of the characteristics of the borrower. Which type of borrowers is less reliable in credit and may prepayment is an issue of great concern to asset risk management of financial institutions holding the housing mortgage loans. Therefore, the study of the tracking and forecasting of changes in relevant factors during the loan period of each borrower is very valuable. For example, the prediction and evaluation of financial institution prepayment risk probability by changes in borrowers’ income can help prevent the borrowers’ prepayment risk behavior in advance.
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