The Capital Management of the Automobile-Loan Business in Taiwan-A Case Study on P Automobile Company

• Main Authors: Kay lo, 羅美鳳
• Other Authors: 龔尚智
• Format: Others
• Language: zh-TW
• Published: 2005
• Online Access: http://ndltd.ncl.edu.tw/handle/88277767864658468707

碩士 === 輔仁大學 === 科技管理學程碩士在職專班 === 93 === ABSTRACT Key Words: Installment, Automobile loan, Capital Management, Loan Overdue, Bad Debt With the social development and evolution, the consumers’ activities of management on finances and consumption have changed. Consuming by loan has been a tendency in current society, such as buying a car in the installment which has become a major strategy for sales promotion. Among the loan-products of consumption, the features of the automobile-loan are high risk and return for some uncertain factors of the accommodators. This paper aimed to build a business model of the automobile-loan, which can monitor the cash flow to prevent the unbalance of finance, which owing to overdue loans and bad debt. In order to realize the automobile-loan business, automobile industry and installment models of automobile-loan have been surveyed firstly in this research. And then, a case had been explored by regressing analysis. The object of the study case, which performs the automobile-loan business, is a subsidiary company of a domestic automobile group in Taiwan. The factors to controlling the finance balancing of automobile-loan business have been found. The factors, such as economic growing rate, loaning rate, bad-debt rate, even age and residing area of the borrower, had been figured out. 1. According the economic forecasting indexes, the amount of automobile market can be estimated, which that can combine the market-sharing rate and the installment rate to calculate the capital requirement of automobile-loan business. 2. To reduce the crisis of the capital gap happening, i.e. finance unbalance, the rate and the quantity of bad debts must be figured out. Though regression analysis, the key factors resulting in the bad debts are found, including numbers of installment, interest rate of loan, and the age of borrowers.