| Summary: | 碩士 === 國立暨南國際大學 === 財務金融學系 === 96 === This research results：there are individual attribute、payment ability、credit、finance、loan condition and external macro environmental factor aspects for individual loans of credit scoring model in credit unions.According to those content, it is clear to know the risk exposure of applicant.It is the good point for Credit Unions to use these viewpoints as verification and amount of loan .Perhaps by these viewpoints,it is more effective and complete for credit scoring model to derivate new model factors so as to promoteing loan quality, reduceing organization loss.In addition, this research also transform the credit scoring model into the credit scoring sheet that the first line examination personnel can use directly so that it can be applied directly on individual loan examination. In so doing, the credit scoring model and the credit scoring sheet can bring its practical value to full play .
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