塑膠貨幣信用風險管理之研究

• Main Author: 謝金蓮
• Other Authors: 劉代洋
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/86444059857672520698

碩士 === 國立臺灣科技大學 === 管理研究所 === 92 === The purpose of this paper is to analyze the variety of problems associated with issuing cash card from various commercial banks. It has been tremendous increase in the numbers of 4.7 million cards with balances of approximately 181.5 billion N.T.$. joined by overall 32 commercial banks. A year of one billion N. T. $. advertising budget has pushed this product to become wildly popular with high volume of profit expected to be harvested by all the major commercial banks. However, there are a great variety of hidden traps set up by the banks to attract mass regular customers, especially young adults and students. There are many cases study regarding the complain about the disadvantages of cash card through the first-hand interview and real data collections. Expert opinions and related public officials are also taking these cases seriously to deal with all these disadvantages. The theoretical rationale behind all these episodes are basically coming from the information asymmetry problem by the two transaction parties. The major summary and conclusions from this study are the followings: 1.The monitor and control issue regarding the cash card is highly urgent and necessary. 2.To establish a crisis management mechanism to deal with cash card problem by the official institutions. 3.To complete a high-alert and prevention system of case card system through Unified Credit Card Clear Center. 4.To make good recommendations for all credit card holders by taking extra caution in financial self-control.