| Summary: | 碩士 === 國立高雄第一科技大學 === 財務管理所 === 94 === ABSTRACT
This thesis investigates the vital variables influencing the retrieval of non-performing consumer banking loan after credit-card crisis by using discriminant analysis and the data of the study are based on 914 samples of consumer banking loan from the local bank in Taiwan. By using stepwise regression analysis, the major findings have shown that the significant factor concerning the ratio of non-performing loan retrieval is the collaterals. Banks obtain higher ratio of receipts from debtors with collaterals than that without collaterals. The collaterals could be used to explain statistical function. The second key factor is the interval of debt collection. The debt collection method varies from case to case, and the interval of litigation is also varied. If debtors pass away and their successors who have well financial resources inherit the debts, or debtors buy real estate during the debt collection interval, banks can ask debtors repay the loans. Therefore, the longer the period, the larger amounts of money the banks retrieve. The third one is the consignable collecting-debt account. It positively related to the cumulative receivables. Debtors having huge amounts of loans usually have better financial resources. While having cash-flow problems, debtors may repay the loans by transferring loan from other banking system, selling real estates, or having other incomes in order to retain their properties. The forth one is the loan category. The receivable ratio of general loan and mortgage with collaterals is higher than that of
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convenient credit loan and credit-card loan because banks have the right to sell those collaterals once there are bad debts. Debtors bargain about the recovery methods of the loan with bank institutions only if banks restrict debtors’ capital assets. It seems that debtors attempt to protract repayments, and they intend to hedge the debts by means of bankruptcy announcements.
Finally, different from our prediction, the results also indicate that gender, the amounts of loan, and occupations will not influence explicitly the ratio of loan. Accordingly, the ratio of loan repayment of obligors with steady income or small amounts of loans may not higher than that of debtors with unstable income or huge amounts of loans. As well, card slaves are not necessary refer to the disadvantaged minorities in the society; therefore, the government should consider these factors while amending the regulations.
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