The Impact Of Home Mortgage Loan On Employee Attitudes And Behavior

With the vigorous development of China’s real estate economy,Individual housing loans has become crucial when the majority of ordinarypeople purchase houses. In recent years, rate of housing loans increasedmuch more compare to the rate of personal income. With the proportionwhich housing loans accounts for individual income is growing, the pressurehousing loans made to ordinary people is getting higher. This brings obviouschange to the psychology, habit and behavior of general staffs. While due tothe difference between China and the developed countries, there is no studiesand experience our local managers can learn from them.To solve this problem, this paper uses empirical research methods oforganization and management to study the affection housing mortgage loans do on employees innovative behavior, economic commitment and the impactof job anxiety. First the paper makes clear the definition of the concept ofthese studies theoretically, analyzes their reality reflected in the organizationas well as the ins and outs. Then, based on previous research literature,combined with the author’s own observation of experience, the paperanalyzes the relationships between these three working attitudes andbehaviors, also gives its corresponding research hypotheses. Totally65paired samples of the upper and lower were used to conduct a statisticalhypothesis test, which shows that: Employee housing mortgage loansdemonstrates a negative correlation with the innovative behaviors, but apositive correlation with the economic commitment and job anxiety. Thesefindings help us to deeply understand the housing mortgage loans do effecton employee’s attitude and behavior.From a practical standpoint, the results of this research also hasimportant value. First, for the employees of innovative behavior, previousstudies generally from the employee’s personal factors and work environmentin which employees. The proof of this is in addition to these factors, thebehavior of their employees’ innovative behavior mortgage also has animportant influence; Secondly, the paper proposes employees from anotherangle because of individual housing loans to bring economic pressure and become reluctant to give up work, and cited in the mortgage after theemployees work in the usual realized it may differ from the usualmanifestations remind managers to be valued and prevention; Finally, thisstudy also proves that the economic pressure brought about housing loansindeed employees at work can increase anxiety in the work andrecommended that business managers on its concern to avoid its impact onbusiness performanceFor managers, the innovative behaviors, the economic commitments andthe anxiety at work will directly affect the employee’s performance, therebyaffecting the entire enterprise. To be able to find relevant theoretical support,we put the research topics identified as "The impact of which housing loansmade to employee’s behavior", by which we hope to find out the relationshipbetween the housing loans and these three kind of employee’s behaviorsthrough empirical research methods. We use the scale for each of the variousfactors in this study for measurement, using questionnaires to collect raw dataand using SPSS software for data analysis to draw relevant conclusions. Andfinally it is proved that the housing loans have effects on these threebehaviors.