Applying Kano Model and Analytic Hierarchy Process to Analyze Key Factors of Credit Assessments for Bank Mortgage
| Autor: | 柯怡伶 |
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| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 105 As the government of Republic of China (Taiwan) promotes financial liberalization and globalization, more banks are established. Moreover, foreign banks start to set up branches in Taiwan, which makes Taiwan’s banking industry enter an era of meagre profit with excessive competition. Due to the international economic distress, Taiwan’s banking industry underwent the credit card and cash card crisis, which threatened the financial market, causing banks start to reduce unsecured loans and prefer secured loans such as mortgages. Thus, the quality of credit asset and the management of credit risks play a fundamental role in protecting bank’s credit operations and credit business. Therefore, this study is to investigate bank’s credit operation about mortgage loans, and especially, the key factors (dimension/criteria) that affect the assessment of one’s credit information. First we analyzed the essential information on household credit based on recent studies. Then, in order to determine an effective assessment criterion, we performed a survey on credit professionals and evaluated the results using Kano model and Analytic Hierarchical Process (AHP). The result shows that among all the factors that may affect the assessment of one’s credit asset, the professionals conclude that the most important dimension is the “People”, then is the “Protection”, and last is the “Perspective.” Moreover, the professionals suggest that in the preparation of credit reports, credit officers should focus on five critical criteria: “Job and income of the borrower”, “Credit status of the borrower”, “Disposition of collateral”, “Basic conditions of collateral”, and “Basic conditions for borrower”. This shows that when banks perform credit operations, they mainly focus on the borrower’s job income and other basic conditions, credit status and credit worthiness, liquidity, as well as collateral with the guarantee of collateral. In conclusion, the research results can serve as a reference for financial institutions in order to develop an effective credit risk assessment for mortgage loan. Also, it helps manage and mitigate credit risk in mortgage loan, and therefore reduce the incidence of delinquency and default. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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