The Study of Car Loan Overdue

• Main Authors: Ming-Cheng Su, 蘇明振
• Other Authors: Miin-Jye Wen
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/88566746447028332759

碩士 === 國立成功大學 === 高階管理碩士在職專班 === 91 === 　After the Industrial Revolution , the vehicles and the mankind have very strong relationship each other. Several state-of-the-art innovation and technology on the safety, function and quality improvement have also stirred the vehicle manufacturers to concentrate the investment on new product development. On marketing strategy, globalization oriented with the installation promotion has wide spread out aggressively, the new promotion policies of Zero Interest Rate, Low Down Payment, 50% Off, No Guarantee Acknowledged Requirement, and various financing options are the new designs for expanding their market share. 　Therefore, the quality of the procedures of car loan would be the very important index for the loaning business institutions to adjust their loan allowance by the related influence factors to control the financing crisis. To reduce the crisis factor on the overdue losses in the installing effectively would rely on the precaution alarm model of “Risk Management”, and it would be helpful for business to reduce the bad loan occurred. In this research, we use the survival analysis, logistic regression and discriminant analysis to find the key factors and positive conclusion on influencing the overdue conditions. According to the results of this research, the “career” would be the most important variable found by these three analysis, the financing companies would use this criteria to evaluate its crisis index and to adjust the loan volume, respectively.