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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/51222

    Title: 信用卡風險客戶衡量之研究
    Other Titles: An research of measure credit card’s risk customers
    Authors: 蔡裕輔;Tasi, Yu-fu
    Contributors: 淡江大學全球華商經營管理數位學習碩士在職專班
    Keywords: 信用卡;信用風險;區域性;銀行;creditcard;risk;regional;banks
    Date: 2010
    Issue Date: 2010-09-23 14:49:33 (UTC+8)
    Abstract: 在過去許多信用卡相關文獻探討上,大多使用客戶基本資料如性別、婚姻、教育、居住狀況、現在年齡、年收入、職業類別…等變數再配合聯合徵信中心資料協助發卡機構進行客戶評分審核,確實也發現到許多影響風險甚鉅的顯著因子,但在針對外在環境所影響到的區域性的變數並未列入評估系統,鑑於富風險性的客戶可能形成區域性群聚現象,因此針對區域性變數是否宜列入評分系統中,產生了此次研究的動機。
    According to past statistics on credit card related researches and measurement, information of Credit Information Center combines with client’s gender, marriage, education, living standard, age, income, occupation and so on; these results assist credit card agencies to measure customer’s credit. On face, some factors might cause risk. However this result does not include external environmental factors, rich-risk customers might be a cluster and live in the same region; therefore, regional variables will be discussed on following chapters.
    The research materials is based on credit card owners from a domestic bank from 2007 to 2009; there are 100,394 records which only gathered from usage of credit cards and completed client profile , non-performing loans overdue customers are 24,087 records, and normal usage of credit card are 76,307 records. LR model calculated basic data and regional variables, and then added three more variables: "the average household population of the region", "regional average deposit balance" and "regional population density "; this combination was more accurate and therefore confirmed that regional variables is the most important element on credit card measurement system. This findings show that banks should request clients to provide deposit statement or financial resource and consider about regional variables for application of credit cards. Otherwise, it could make sure quality on issue credit cards and reduce operational risks, moreover, expend its market and avoid forbiddance of issue credit from government.
    Appears in Collections:[全球華商經營管理數位學習碩士在職專班] 學位論文

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