Research on the Theoretical Model of Psychological Factors of Borrowers with Residential Mortgage Loan

How to manage and control default risk of residential mortgage loan has become the main concern in the industrial circles and the these field. On the view of borrower´s psychology, this paper attempts to study the effectiveness of psychological factors on payment intention and payment behavior. Based on the former research on the theory of social behavior and psychology, this thesis constructed a theoretical model that is about the structure relationship of factors about borrower´s payment attitude, psychological factors and payment intention, found the relationship among factors about borrower´s attitude, psychological factors and the effectiveness of payment intention by means of analyzing borrower´s payment decision process and operating mechanism. The results are foundation of the empirical research of default risk on the borrower´s psychological view.