| Summary: | 碩士 === 國立中山大學 === 企業管理學系研究所 === 92 === Issuing cash cards brings banks a large amount of money from interest and fees. Because of the reason, many banks that refused to join the competition in the beginning changed their minds and offer the similar product to compete with each other. In such intensified competition environment, in order to earn customers’ attention and grab the market shares, banks simply loosen the approved criteria, increase the approved speed, and lower the interest rates. However, if banks take these actions without thinking carefully or planning cautiously, it is very easy to have problems in the risk management.
This research try to from the organization staffs’ point of view to discuss what kinds of policies will affect their risk management perception and if there is any relationship between perception and achievement. Besides, this research also tries to understand where risk management should put great emphasis and what kinds of risks banks should pay attention when operating the business of cash cards
This research assumes different card approved time, interest rates, credit limit update time, and credit evaluation systems will affect cash cards risk management perception. And the results find that higher interest rates and credit evaluation systems designed by foreign have significant effect for cash cards risk management perception. Besides, procedures planning and customers choosing will also affect the perception. All in all, banks with better risk management perception have better performance in the market shares. As for the risk sources, the main risks come from customers choosing. Therefore, banks should have developed credit risk measure systems, or in the future banks will suffer because of these problems.
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