| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 94 === Abstract
Glide from 2001 interest rate continuously, prosperous and in low spirits,
with the traditional housing loan interest income particularly, as the interest
rate adjusts year by year. Domestic bankers adjust, to profit relatively heavy
and it develop business mainly to regard earning charging and service charge
of a servant as personal consumption financial field then, because the
negociation price of customer of the general personal finance does not have
high ability. No matter can all get the interests higher than that of enterprise''s
customer from deposit, making loans or credit card, etc., make the personal
finance become banking and make a profit to the better department, the
strengthening industry person pays attention to and improves the marketing and
taking rate of market of financial transaction of personal consumption even
more too.
Include on the financial range of personal consumption, such as
purchasing house, house repairing, automobile loan, credit card circulation
credit, other people''s consuming project of granting the loan etc., but the
speech but from the amount of money amount of serving proportion and
making loans, the traditional residential loan (including purchasing residential,
repairing ) still takes the business largly, only in order to expand the profit,
distinguish the difference, and the fund application of convenience, then then
second-mortgage residential loan appears, this product is different in the
general traditional residential loan, and can combine the line of credit, offer the
more flexible and turnover short-term fund.
Second-mortgage residential loan products appear for many years, only
the product because market fund plentiful and under the horizontal competition
in recent years with residential loan on market, because its difference packing
of product and combining, except that can cater to market demand, can expand
the original residential loan profit even more, and can increase the commission
income of the bank . How can offer the fast, convenient service, it will be the
key to could succeed in attracting the persons who disappearing ; As for to is it
display quality is it can do a good job of risk is it manage to accuse of to
depend on to make a profit bank.
Effective understanding customer''s attribute, managing materials well, the
risk with perfect construction accuses of being in charge of the mechanism,
even press for staying the emergence of the consequence in order to try one''s
best to reduce and exceed the situation of putting. This research adopts Logistic
Regression in way of commenting to credit etc., want one to carry on the real
example for the parameter to the risk after the loan of sample bank, and carry
on every parameter and cross the analysis result and probe into, this result of
study: Logistic Regression returns to the real example result: residual loan ratio,
interest rate, sex, authorized loan personnel in common showing the relevant
independent variable with pay the interest stagnatly, its correct predicting rate
of whole is up to 84.0%.
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