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|Title: ||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|
|Other Titles: ||Research of analysis of bank consumption of loan risk and second-mortgage : using S bank as an example|
|Authors: ||游竣凱;Yu, Chun-kai|
|Keywords: ||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|
|Issue Date: ||2016-01-22 14:48:38 (UTC+8)|
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.
|Appears in Collections:||[國際企業學系暨研究所] 學位論文|
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