A Research on the Risk Management of Cash Card -Take a Domestic Bank as An Example

• Main Authors: Su-Min Wen, 溫夙敏
• Other Authors: none
• Format: Others
• Language: zh-TW
• Published: 2005
• Online Access: http://ndltd.ncl.edu.tw/handle/65677149346954876056

碩士 === 逢甲大學 === 經營管理碩士在職專班 === 93 === The cash card has become the hottest financial goods of consumption of banking recently , is a kind of simple and fast financing channel as to consumer. Is it apply easy , refund relaxed cash card to put emphasis on, already under being depressed to become economy, one of consumer''s prompt , convenient turnover channels. Apply for the upsurge of the cash card , under the circumstances that consumers pay attention to turnover to use the idea and banker''s a feast for the eyes marketing tactics to add fuel to the flames with the borrowing in advance money immediately, will also heat continuously, the cash card will become one of the at present popular tools for managing money matters olemnly. Because of the domestic cash card business, under every bank marketing, innovative tactics, it is popularized day by day that the cash card is used, in order to improve the occupation rate of market, adopt and verify and simplify the fast nuclear card of the procedure loose, and use advertising marketing , impel the customer to have many cashes cards , reach and book issued volume in order to dash for the achievement. The cash card awards the quality of the letter to reduce, exceed and put and improve than month by month. So how until quantity and quality give consideration to, take precautions against overdue emergence of loss on bad account, still the business focal point which the hairpin bank waits to solve very much, and set up the risk and assess models by the positive research, help the hairpin bank to raise the cash card to award the quality of the letter. The purpose of this research, is to award the case of the letter as the real example sample with the cash card of the case bank; Through SPSS suit software statistical analysis,it influences the customer to refund and pay and stop the important factor to find out, and prove each other with the research document in the past , found out the key factor. This research has already found the gold card nuclearly as the research object in one bank in Israel, it adds up to 512 for unusual 117 of family , normal 395 of family to collect samples, choosing the parameter in the form accessing the form in accordance with the cash card application , amount of case bank of the parameter, it may influence 12 parameters of customer''s default risk to find out, having opened up LR model research approach, The results show that finally; Age, sex, marriage , academic credentials, job,, service age and service seniority , annual income , amount access way , interest rate, cash card hold number , credit card hold number , is it is it award letter ,etc. 12 parameters to guarantee to have, have apparent explanation ability.