A Study on the Overdue Behavior of Consumer Credit Loan-A Case of Bank X in Kaohsiung-Pingtung Area

• Main Authors: Hsin-Hung Lin, 林信宏
• Other Authors: Kun-Hui Lin
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/87942327680909474225

碩士 === 國立屏東科技大學 === 財務金融研究所 === 101 === The article aims to explore the personal consumption behavior of late repayment of credit "Therefore, a good credit risk management has become a pressing issue. Case a large amount of personal consumer credit loans, the characteristics of aging fast, so the bank levy in order to reduce non-performing loans, credit review staff efficiency and reduce credit risk, we must rely on the good credit risk assessment, and effective identification of risk where lies immediately grasp the customer's risk profile, given appropriate quantitative indicators, the beginning of the loan approval to make the optimal decision as whether the loan is approved, the basis of the level of the level of the loan amount and loan interest rates. The increase in consumer credit loans business, however, must be properly and efficiently review the approval or rejection of the credit. In this study, the domestic Bank X - Kaohsiung-Pingtung area branches of personal consumer credit cases for the study, the use of the logistic regression model, the establishment of the segmentation of the risk of the borrower. And the bank in 2005 to 100 years in the trading of consumer lending cases of micro-credit loans for the sampling population that the research data, consider the causes is the cause overdue significant variables, to seek the best combination of predictor variables, as the future establishment of the basis of personal consumer credit credit assessment model, as well as future loan approval or rejection is based on the reference. Can in this article the findings of the study for financial institutions levy credit review personnel for reference, modify the existing assessment methods, reduce the time of loan audit, financial institutions and borrowers to achieve win-win situation for the purpose.