| Summary: | 碩士 === 輔仁大學 === 應用統計學研究所 === 98 === The volume of credit card has greatly expanded. Because the more extensive use of credit, the more possible profitable the industry will be. Therefore, banks underestimated the importance of risk management. They issued cards without adequate checks on customers’ credit-worthiness. Thus, bad customers are called “card-slaves” increase sharply. In November 2005, the Bankers Association initiated a “Mechanism of Card Debt Negotiation” policy to provided debtors an opportunity to negotiate their debt with the biggest crediting banks. The policy might cause moral hazard. The aim of this study is to devise adequate model for credit granting decisions. In our study, two models are built. First model include “position”, “loan product”, “gender”, “saving”, “mail loan”, “auto transaction service” and “debt negotiation” variables. Second model remove “debt negotiation” variable. This study is focus on the affection of negotiation mechanism.
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