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Indexed by:会议论文

Date of Publication:2010-01-01

Included Journals:CPCI-SSH

Page Number:325-330

Key Words:housing loan requirements; indicator system; G1 method

Abstract:Housing loan customer requirements are housing loan customer's requirements on specific features and functions of bank's housing loan products Determination of customer's demand indicator system is the important factors when design the conditions of housing mortgage loan This article uses combined method of expertise interview and customer questionnaire to screen the indicators, and determines the indicator scores according to the score given by loan customers' to the questions in survey Finally the indicator system of housing loan customer demand is established by using the G1 weighted technique calculating the weights of customer's demand indicator based on the scores and screening the indicators according to its weights The features of this article lie as following firstly, by three steps of designing questionnaires, customer scoring and questionnaire arrangement, we can get objective indicator data of customer demand The weights of each indicator are determined through G1 method, which solves the problem of traditional G1 method that ratios of weights is too random, ensures the weight reflecting the real demand, and avoids the problem that merely depending on the by expert weights is not realistic Secondly, using questionnaire to summaries the scores given by loan customers can ensure the score of indicators realistically to reflect customers' requirements Thirdly, using the weights of indicators calculated according to G1 method as the basis to screen indicator ensures that the indicators selected reflects loan customers' realistic requirements and effectiveness of loan customer indicator system Forth, the housing loan customer demand indicator system constructed based on the collection and analysis of information from more than a thousand customer questionnaires can reflect the real demands of most people