A Study on the Relationship between the Cost Efficiency of Bank and Non-performing Loans of Credit and Cash Cards

• Main Authors: Ya-ping Chung, 張雅萍
• Other Authors: Chuang-Min Chao
• Format: Others
• Language: zh-TW
• Published: 2006
• Online Access: http://ndltd.ncl.edu.tw/handle/tdku6e

碩士 === 國立臺北科技大學 === 商業自動化與管理研究所 === 94 === The efficiency of banks and non-performing loans are always the most important issues in the past researches. The purpose of this research is to probe into the relationship of between the Cost Efficiency of Bank and Non-performing Loans of Credit and Cash Cards. The period is from the third quarterly, 2003 to the forth quarterly, 2004 and the samples are 34 commercial banks. We use joint formulas to test five hypotheses that describe the interemporal relationship among cosumer credit nonperforming loans, cost efficiency, and financial capital. The five hypotheses are “bad credit”, “over issue cards”, “bad management”, “moral hazard”, and “bad luck”. This result of study are：(1) The total sample support the bad credit for credit card and bad luck hypotheses. (2) The data XEFF(-2) below the sample median support bad management. (3) The data NPL(-2) above the sample median support bad crdit for credit card and bad luck. (4) The data NPL(-2) below the sample median support bad crdit for credit card.