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- W3022034905 abstract "This paper presents a empirical model of tenant’s credit risk factors in the Monthly Rent with Security Deposit market. For the analysis, credit status, building register information, and actual apartment transaction data are integrated into individual units. As a result of the logit models on tenant’s delinquency probability, it is found that as the deposit gets smaller, the credit risk of the tenant increases and as the monthly rent gets bigger, the credit risk of the tenant increases. The implication of the result as followings. First, it is advantageous for the financial private company to conduct Chonsei loans to borrowers paying high rental deposit for risk management. Second, from the viewpoint of policy authorities that provide financial assistance to low-income tenants, risk management must take into consideration both the tenant" @default.
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- W3022034905 date "2019-06-01" @default.
- W3022034905 modified "2023-10-04" @default.
- W3022034905 title "Empirical Analysis of Tenant’s Credit Risk Factors acting in Korea’s Monthly Rent with Security Deposit Market" @default.
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- W3022034905 doi "https://doi.org/10.38100/jhuf.2019.4.1.5" @default.
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