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    請使用永久網址來引用或連結此文件: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/105134

    題名: 銀行消費性貸款違約風險分析與二順位信貸之研究 : 以S銀行為例
    其他題名: Research of analysis of bank consumption of loan risk and second-mortgage : using S bank as an example
    作者: 游竣凱;Yu, Chun-kai
    貢獻者: 淡江大學國際行銷碩士在職專班
    鮑世亨;Pao, Shih-heng
    關鍵詞: 消費性貸款;逾期;違約;羅吉斯迴歸;二順位信貸;consumption loans;overdue;breach;Logistic Regression;second in line credit
    日期: 2015
    上傳時間: 2016-01-22 14:48:38 (UTC+8)
    摘要: 授信業務在銀行的諸多業務中,是主要的收益來源之一。銀行為了提高獲利紛紛投入開辦消費性信用貸款、二順位房貸等高利差產品專案,以增加銀行利差之收益。而本研究,針對國內知名S銀行小額信貸借款者,抽取有效樣本共計646份,運用SPSS統計套裝軟體,進行量化分析,發現「不動產設定」、「工作年資」與「年齡」此三項變數對於逾期行為之影響程度較高。也就是說銀行在辦理消費性信用貸款若有設定不動產第二順位抵押權、貸款申請人工作年資越長以及年齡越大,則較不易發生逾期行為。
    Credit extension is one of the main earning sources for banks among many businesses. In order to improve the profit, banks offer consumer credit loans and second-in-line mortgage and other high spread products. Based on the micro-finance borrowers of domestic well-known S bank, this study extracted 646 effective samples, using SPSS statistical software to conduct quantitative analysis, which found that the "real estate set", "seniority" and "age", the three variables have higher influence on the overdue behavior. That is to say, if the bank has set second-in-line mortgage of real estate, and the loan applicant has longer seniority and age, the possibility of overdue behavior is lower.
    The consumer credit loan business has become increasingly fiercely competitive today. This study designed appropriate loan scheme for middle and low class groups (referring to those who gain yearly income between 0.5 to 1 billion, and are under unstable work condition, but because the borrowers have certain economic basis associated with previous job). Although this research shows that working seniority less than three years will lead to higher rate of overdue, if such loan applicants can voluntarily provide their owner-occupied real estate for financial institutions to set second-in-line mortgage, to strengthen the guarantee of bank creditor rights, then different micro-credit loan products with different interest rate policies or limited strategy of repaying periods should be designed aiming at this kind of customers, in order to pursue high profit.
    顯示於類別:[國際企業學系暨研究所] 學位論文


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