| Summary: | 碩士 === 國立東華大學 === 國際企業學系 === 98 === This thesis aims to explore default factors of the credit loans for military consumer, due to the change of military policies, non-commissioned officers those who serve in the military voluntarily feature a steady monthly income and have become the main targeted segments in banks’ businesses. In this thesis, an empricial test employes a data set with the loan cases in 2005 in a representative bank in Taiwan, Collected 394 cases of normal loans, overdue loans cases of 53, totaling 447, use the Logistic Regression Model to set up the district of one group of risks of the customer. Regression results show that the rank, whether the use of cash cards has a positive significant relationship for default risk of the military consumer credit loan; service seniority, ratio of income and expenditure has a negative significant relationship for default risk of the military consumer credit loan. This thesis can be expected to offer financial institutions a reference to audit the cases and help them improve efficiency when reviewing the loan cases from the military.
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