Based on literature research , the author had interviewed with 15 residential mortgage managers or loan officers of 6 commercial banks . finally , the author selected 13 sub - branches of one state - owned bank in hangzhou city as sampling bank whose residential mortgage dada was relatively intact . 5855 normal loan samples and 4865 default loan samples were collected hi this bank 在规范分析基础上，笔者对6家商业银行的15位房地产信贷经理和信贷员进行了两阶段访谈，并选择资料较为规范完整的杭州市某国有商业银行的13个支行进行大规模调查，共抽取了5855个正常贷款样本和4865个违约贷款样本。
