銀行辦理授信業務時，以往的信用審核是放款人員根據過去業務經驗和主觀判斷來進行決策，一旦審核人員經驗不足或無客觀的審核標準時，則容易降低授信品質，進而提高風險，故建立一套客觀且合理的風險評估模型是必要的。本研究探討競爭風險模型及邏吉斯迴歸模型在住宅抵押貸款的風險評估能力。發現無論是季節性、相對貸款規模、當期貸款成數、相對繳款利率、相對支付額、重新借貸疲乏度等變數對於提前清償及違約機率大多有顯著影響。至於二者之比較方面，則無論以VUS或預測正確率為準則，皆以考量存續時間之競爭風險模型表現較佳。

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