The Assessment of the Default Possibility of the Cash Card Clients in the Bank

• Main Authors: Tai Chia-Fu, 戴嘉甫
• Other Authors: 許碧峰
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/87387622272989388374

碩士 === 義守大學 === 管理科學研究所 === 92 === The main purpose of this study are as follows：First, make banking business pay much more attention on roles of cash card playing in the economic activities, and the issues that could be happened on the issuing. Then comes to the discussion of default risks. Second, analyze the data of the bank clients so as to propose a way to deal with jobs concerns about credit granting to reduce social cost. The study mainly aims at the default cash card clients of a bank branch from 2002 October to 2003 December, and normal samples 113 while default one 104 were selected. Gathering from application forms and JCIC（Joint Credit Information Center）can we obtain the background characters that formed in the circumstances of binary or dichotomous response. By using logistic regression sift out the remarkable characters. And the result showed that：（1）The default risk possibility of male is more than female.（2）The default risk possibility of unmarried applicants is more than married ones.（3）People who own their properties have less default risk possibility than others.（4）The more inquiring frequency of JCIC the more default risk possibility.（5）The more possessing of credit cards the less default risk possibility. （6）Basing on retail group, there are less default risk possibility in the supervisor group and service group than manufacturing、technician、administrating groups.（7）Taking business industry as a standard, manufacturing industry is the most likely to take default risk among mining industry 、water and electricity industry、 construction or building industry、 transportation industry、 banking and insurance, and social service industry.