The Risk Analysis of Unusual Banking Accounts-Evidence from C Bank

• Main Authors: Tzu-Chi Liao, 廖子淇
• Other Authors: Kuang-Hua Hsu
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/86020852729066866599

碩士 === 朝陽科技大學 === 財務金融系碩士班 === 99 === As media and communication networks developed, many scams have been happened. Many victims were controlled to remit money to unusual bank account through counter of bank or ATM or internet. No matter what scams happened, many victims were losing much money. It is an important issues for the banking to reduce the social costs of how to find the characteristics of unusual bank account holders to take preventive measures at the account opening. Following the aforemention, this paper adopts and analyze the C Bank totally personal opening bank account and unusual bank account, the period is from October 1 to December 31,2010. By using Statistics of Logistic Regression, we can discuss the risks and key factors of what unusual bank account happened. The results revealed that the model with 0.080 cut-off value obtained relatively minimum misclassification cost. Finally, the important variables that affected the bank account default were the marriage and the purpose of account opening.