| Summary: | 碩士 === 國立高雄應用科技大學 === 金融資訊研究所 === 99 === This research collects personal consumer loan cases in a branch of a southern Taiwan commercial bank（Including higher level units－Southern Regional Center of credit） during 2002 to 2010 as samples. According to the number and scale of the personal consumer loans, this bank within the top ranks can be the typical research samples. This research includeded 536 cases in total; 430 cases of samples are regular ones that repay on time and 106 cases are overdue cases. The research investigates and analyzes the level of influences about the overdue personal consumer loans with fifteen variables which include marital credit access, types of loans, policy support, house age ,status, age, occupation,educational level, loan period, ratio of loan approval, whether the new housing, loan with grace period, credit loan, cash card, and the guarantor.
Based on the results of this research, the researcher concludes that marital credit access, loan period, loan with grace period, credit loan, cash card, are the five significant variables which influence personal consumer loan.
The results indicate that the prediction accuracy of overdue cases is 58.5%, regular cases 92.6%, and the correctness in total 84.32%.
These findings may provide a correct and immediate efficiency pre-warning model for bankers, also may let the borrower and bankers understand the importance of money attitudes, raise correct money exchange each other improvement expense custom,reduces occurrence the default behavior.
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