A Study on Bank’s Psychology Loan Decisions ─ An Test in Anchoring and Adjustment Heuristic

• Main Authors: Yi-chen Liang, 梁逸珍
• Other Authors: Gow-liang Huang
• Format: Others
• Language: zh-TW
• Published: 2003
• Online Access: http://ndltd.ncl.edu.tw/handle/08103800748438774329

碩士 === 國立高雄第一科技大學 === 金融營運所 === 91 === According to the data of the Ministry of finance, the amount of the non-performing loan increased to 5,280.7 hundred million, the rate was up to7.58 % till 2002.The serious problem made the assets of the bank become worse and worse. The domestic banks’ non-performing rate has increased due to two reasons. One is the problem of unemployed, the other is the loan which the loan department to personal or harmfully companies. The unemployed rate must be solved by the government’s policies. As for the problem of the bad debt, they usually use the principles of 5C and 5P to estimate the customer of the Credit Granting, but it is not really work. Because the Credit Granting Decision depend on the collection data and with the subject judgement of psychological to decide the customer Credit Granting and loan decision. Therefore, this essay prepare to adopt the Anchoring and Adjustment Heuristics of the Psychological Decision Theory. To test the loaner when making some Credit Granting Decisions whether or not the debt happened is due to the bias. The results of our study were： 1、When subjects estimating numbers of bed debts, they would be affect by the anchoring effect and the size of anchor. 2、When subjects evaluating risk informations, they would be affected by the anchoring effect. 3、When subjects referencing risk informations to criterion credit investigation scores, they would be affected by the anchoring effect. 4、When subjects evaluating prior probabilities, they would not base on general probability theory, they usually be affected by the anchoring effect. 5、When subjects calculating prior probabilities, they would not be affected by the number of events, but will be affected by the style of events describing.