A Study of the Credit Risk Evaluation Individual Consumers Loans-an example of a Bank
| Autor: | Meng-Yu Lu, 呂孟育 |
|---|---|
| Rok vydání: | 2008 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 96 Taiwan financial institutions are facing dual impact from double credit cards & Basel Capital Accord, and aware that by strict management and control during the entire customer life cycle will effectively reduce the operational risk and increase the overall profit. Consumer finance regardless of product sell, customer selection, customer management, by applying scientific ways to evaluate customers is the best practical example. To make use of various data collected daily by the bank for different application analysis in order to proceed rapidly, clearly and consistently with all kinds of manageable decisions. Consuming loan is personal fiduciary loan, the loan amount for the short-medium term revolving fund is approximately between one hundred thousand to one millions dollars. Therefore, credit auditors must depend on scoring charts for efficiency and reduce the credit risks, especially emphasis on personal credit risk assessment. The key to this study is effective identifying the risk by instantly grasp customer’s risk attribute and give it a proper quantifiable indicator. The article tries to use personal fiduciary loan (excluding credit card) among consume finance product. To focus on customers of this product by data collection, analyze customer’s credit risk, default risk...etc., in order to assist loan decision and minimize the chance for loan to become bad debt. This study adopted Logistic Regression Mode by using ○ bank 2005-2006 pass personal consume fiduciary loan case as sample. Classify risk feature variables from 11 select items. The result discovered that the important redit risk variable for personal consume fiduciary loan customers to break contract is age, service seniority, annual income, personally debt……etc. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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