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'oper-ation and management to a certain extent,and the difficulty of their risk management.This paper constructs an analysis model of prepay-ment 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 will-ingness to prepay through the impact on capital outflow.Then,the corresponding management suggestions are put forward according to the research conclusions.
mortgageprepaymentinfluencing factorsstructural equation model
NETL
NSTL
万方数据
