The Empirical Analysis of Affecting Overdue Factors of Consumer Loans

• Main Authors: Pei-Fen Wu 吳佩芬, 吳佩芬
• Other Authors: 王親仁
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/x7n67s

碩士 === 國立臺中科技大學 === 企業管理系事業經營碩士班 === 100 === Consumer loan have some characteristics, such as fast speed of authorization, longer loan period, less bank loss when contract is broken, and large quantity of cases. Because of these characteristics, there are some important evaluating factors are proved to rapidly screen customer''s situation and help credit officers make correct decision. This study will assess these factors to distinguish its implicit risk and know its attribute for giving the quantized indicator and the basis of making decision. In the mean time of expanding individual credit granting can reduce loan risk, non-performing loan ratio, for increasing the quality, speed, efficiency of bank credit granting then improve bank’s physical income and whole operational performance. Therefore, finding out the correct evaluation of risk factor will provide bank officers certain helps for making effective consumer loans decision. This study were randomly chosen 355 individuals of consumer loans, 271 of normal and 84 of abnormal, at Hsinchu district during 2006~2011. The empirical result of linear Logistics Regression found seven significant factors, such as age, education level, working age, annual income, liability ratio, credit card limits and using revolving credit lines have apparently influence on overdue probability of credit granting for individual customers. The cases of customer loans would be refused if two of the 19 parameter factors, bills of credit and lenders interest payment, are found abnormal. The prediction accuracy rate of empirical model averagely is 93.8%, and will be raised as reducing the number of overdue household sample.