Purpose – This paper seeks to investigate the impact of socioeconomic factors of homebuyers such as gender, age, marital status, education, economic status and race on home ownership and loan decisions in urban China. Design/methodology/approach – This paper employs logistic regression to investigate the socioeconomic factors affecting the consumers' house purchase decision in urban China and the factors affecting the housing loan application. Findings – Using a structured questionnaire to collect relevant data from household residents (both homeowners and non-home owners) in Nanjing in 2010, the findings document that male respondents who are non-minorities and have higher levels of education are more likely to purchase a house. The results also show that race, educational attainment, size of household and credit card ownership are significantly related to rejection for a housing loan. Research limitations/implications – The findings in this paper provide homebuyers with a better understanding of factors affecting the housing loans and their decision to purchase a house. Homebuyers can accurately assess their financial ability and improve the use of their credit to purchase a house. In addition, Chinese homebuyers should be encouraged to save since savings serve as a step in building their credit worthiness; therefore, their accessibility to housing loans can be improved and the rate of homeownership will be increased as well. Originality/value – This research would benefit both lender and borrowers. The research findings provide banks with a better understanding of homebuyers' characteristics that influence their accessibilities to housing loans. Homeownership requires affordable housing financing. Banks should consider repackaging their home loan products to make them more attractive to those with limited means. Such products should focus on making loans more affordable in real terms. First-time homebuyers are almost always young and earn low incomes.

PurposeThis paper aims to investigate the determinants of default mortgage in China and the factors affecting the mortgage amount granted by Chinese banks.Design/methodology/approachThis paper employs the credit scoring model to investigate the determinants of default mortgage in China and the factors affecting the mortgage amount granted by Chinese banks.FindingsUsing a proprietary dataset from branches of the Construction Bank of China containing information on all mortgages offered to borrowers from 2004 to 2009 1st quarter, the paper documents that borrower rating, mortgage rate and mortgage duration are significantly related to default rate and mortgage amount. These findings suggest that Chinese banks' mortgage lending are based on commercial basis. This helps to reduce the likelihood of a real estate bubble in China.Research limitations/implicationsThe findings in this paper argued that a good credit scoring model has the ability to detect bad loans; this could help the bank to reduce the loan losses from loan default. Consequently, it can improve the profitability and the financial stability of the bank.Originality/valueThis research would benefit both lender and borrowers. Lenders can apply an objective evaluation technique with a standard process and criteria to appraise their customer's credit risks and creditworthiness. A good credit risk management tool can effectively control risk selection, manage credit losses, evaluate new loan programs, improve loan approval processing time, and ensure that existing credit criteria are sound and consistently applied.

Problem statement:Consumer satisfaction is regarded as one of the ultimate goals that all health system should strive for (Hsiao, 2003), it reflects the effectiveness of the health system in consumers' prospect. Yet public health care services in developing countries including Greater Mekong Sub-region (GMS) have failed to achieve adequate level of services. China, for example, satisfaction of public health care is considerably low. To improve public participation and effectiveness of the undergoing health reform initiatives in China, one must understand the underlying factors that contribute to consumer satisfaction for public health services. Approach: Therefore, this study explored the factors associated with consumers' satisfaction with public health care delivery among residents in Kunming city, Yunnan Province of China. Results: Personal interviews with structured-questionnaires were used to collect the data via a convenience sampling of 569 Kunming adult residents who had consulted a doctor for outpatient services in the public health facilities within the past 12 months. The survey questions were designed to gauge the respondents' health care use preferences, satisfaction levels, perceived quality and efficiency of public healthcare including their socio-economic characteristics. Consumers' satisfaction in public health care delivery, factors such as interaction, qualification, financial affordability, environment, physical accessibility, adequate doctors, confidentiality, pricing, corruption and consumers' socio-demographic characteristics were examined using the logistic regression. Conclusion/Recommendations: The results revealed that corruption have a negative impact on consumer satisfaction and perceived as a threat to consumer satisfaction. On the other hand, qualified doctors, affordable costs, adequate doctors and reasonable pricing of public health services were important factors to increase the probability of consumer satisfaction with public health care delivery and should be managed in priority.