DEA in Evaluating the Contribution of Credit Card Holder

• Main Authors: Chun-Chih Chiu, 邱俊智
• Other Authors: 邱志洲
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/6g6646

碩士 === 國立臺北科技大學 === 商業自動化與管理研究所 === 96 === Improve the efficiency of business is always the important goal; the credit card business is very important for consumer bank. Contribution of the credit card holder to the bank was usually be evaluated as how much the credit card holder use the credit. In this thesis, a transformed DEA-CCR model is proposed to estimate the efficiency of each credit card holder. To demonstrate the validity of the proposed model, a monthly credit card usage dataset provided by a major credit card issue bank in Taiwan is used herein. We were using the credit line, interest rate as the input factor and credit usage, consume amt as output factor to fit the DEA model requirement. The empirical result shows that the proposed model can not only identify each cardholder’s efficiency level better than DEA-CCR but also help the bank to improve its profitability by adjusting cardholders’ credit limits and APR (Annual Percentage Rate).