| Summary: | 碩士 === 世新大學 === 企業管理研究所(含碩專班) === 97 === After experiencing 1997 corporate finance crisis, most of financial operators in Taiwan chose to enter into high-profit consumer finance markets. With the appeal of a large number of ads and rapid ratification of loan applications, they have been conducting strong marketing of consumer loans. But in pursuing high-profit, the financial industry seems to neglect risk control and management. Under the situation of consumer’s bad spending habits and inappropriate financial supervision by the government, as a result, in 2005, violent debt collection, credit card slave committing suicide, overdue loan in financial institutions keeping high and economic growth rate going down broke out almost at the same time in Taiwan and triggered serious consumer finance crisis. In order to end the crisis, ROC Association of Banks introduced “Consumer Finance Unsecured Debt Consultation Mechanism” in 2006 to help debtor pay back and end the consumer finance crisis. With 248 default accounts and 248 normal performance accounts, total496caseswho applied successfully debt consultations in May and June, 2006 with a local financial institution as samples, this research adopted descriptive statistics and Chi-square test to explore main factors of risk that had affected the default by debt consultation accounts. After analyses by descriptive statistics and Chi-square test, among 11 input variables, education, marital status, number of creditor banks, total amount of debt, district of current residence and monthly repayment were main affecting variables. Besides, there were five variables, gender, age when made consultation, current situation of home, negotiated interest rate and negotiated number of repayment periods that wee non-significant affecting variables. This research recommends that during examining the pre-consultation cases of debt settlement ordinance of cases of pre-consultation, the largest creditor bank use the results of this research as the reference value for judgment to raise the repayment ratios and reduce defaults.
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