||Recently, the intense competition among banks has led to lower facility standards for higher market share, thus causing deterioration in facility quality and increased percentage of overdue mortgages. Meanwhile, the consumption power of female is gradually highlighted because the increasing female working population brings about higher disposable incomes and purchasing capabilities, which are reflected by the fact that more women are purchasing houses. With the climbing percentage of overdue mortgages, much research on non-performing facility risks has been carried out home and abroad but the analysis on the credit ranking of female mortgagors is relatively rare.
Therefore the paper, on the basis of the samples which are taken from bank mortgages by individual females, discusses the major factors contributing to the breach of female mortgagors; the research was carried out from Jan. 2006 to Dec. 2008 and risk segments among customer groups are established by using the logic regression model. The results show that age, marriage, purpose, occupation, Position, location, pattern, borrowed amount and mortgaged percentage are significantly related to overdue payment, and this may serve as the basis for banks to formulate mortgage facility policy for females.