| Summary: | 碩士 === 銘傳大學 === 企業管理學系碩士在職專班 === 99 === As the credit card market enters into the mature stage, banks in Taiwan issue excessively credit cards to enhance their competitiveness. As cardholders expand their credits more than they afford, it results in the outbreak of credit card debt crisis, a loss of domestic banks, and social problems. This study is to analyze the effectiveness on debt negotiation mechanism of unsecured loans in one domestic bank operating in Taipei area. The dependent variable is the negotiation results. Seven independent variables come from demographic and negotiation behavior categories. The logistic regression model is applied in the study.
The empirical findings come from two parts. In the first part, demographic variables have impacts on negotiation results. It is also found that the variable of the total amount of debt owed has the impact partially on negotiation results. In the second part from the logistic regression model, it is found that the negotiation results are influenced significantly by the variables of gender, the total amount of debt owed, the total amount received by the bank, and the negotiation alternatives provided by the bank.
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