本研究者建議銀行在此申貸程序中可以再加強對保與徵信，藉以避免申貸戶是以人頭的方式來進行申貸而造成銀行方面有潛在的損失與風險。 The primarily financial and banking business include car loans, house loans , credit loans , credit card business and other credit-related business in Taiwan. Consumer loans base on the public in domestic market. That’s why the number of cases is huge but the amount of each transaction is not as large as corporate clients. Therefore the measurements between risks of consumer loans and revenue of bank is an interesting subject to be researched due to the huge amount daily loan transactions. Since the foundation of consumer loan is processing simplified and lifetime business, it’s the main motivation for this study trying to find out how effectively maintaining and improving the strategies of consumer loan in financial and banking industry. In this study, we can find that M bank always go through every details of consumer loans, provides detailed information for consumers to assess their financial needs and repayment ability, analyze and evaluate various types of products and programs, choose the most suitable solution , and fully inform the applicant providing information of guarantor and himself about their credit papers bank needs to know in the process of loan approving. For the sake of carefulness, M Bank will handle credit investigation and real estate pricing. In order to confirm the credit records of the applicant, M Bank also dig in more details such as the histories of applicant and every bank including monthly payments of loans and credit cards during the past six months. It will end up an happy ending of loans approving and contract signing if everything heading the right path. We recommend that some parts of the process shall be enforced. M Bank could do more applicant’s ID check and background research avoiding fake application and fake real estate purchase contract those may cause serious loss and risk of bank.
