| Summary: | 碩士 === 國立東華大學 === 高階經營管理碩士在職專班 === 98 === With the development of nearly twenty years, the vehicle loan in Taiwan has become a well-developed financial product. As far as consumers are concerned, information and conditions are more preferable because of the sharp competition among banks. However, the competition among banks makes them try their best to fight for more market share disregarding risks. That is, they adjust their view of credit and policies constantly, following the herd instinct to develop consumer finance. Yet, what follows this business with large interests is high risk. As a result, the instant impact is the negative effect on the quality of bank’s credit and profits. What comes later is the increase of the general managing risk of banks and the damage to the normal management of financial system, including shareholders and depositors. Hence, when we promote the business, it is an important issue for financial circles how to raise the quality of bank’s credit and improve the policy decision of granting loans.
In view of that, this paper will examine the credit process of granting loans in case bank, doing example study according to the information provided by accommodators and the variables considered in credit. And try to join of the factor of "consumer personal constellation" that bank few considered in the past. By systematic analysis and survey, this paper will find the main factors influential credit risk and delinquency, providing credit department as reference when making policies and set up a forecast model of risk management to decrease the probability of bad debts.
This paper applied statistics methodology means of frequencies、mean analysis、chi-square test 、correlations analysis、logistic regression and multivariate discriminant analysis to analyze influential factors on occurrence of delinquency. According to the analysis, the model constructed by variables of sex of the borrower, the borrower place of residence, the nature of vehicles, vehicle brand and lending rates tend to explain the improvement of vehicle loan business well, which benefits banks preparing to manage vehicle loan business. Besides, directors of financial organization or credit officer can do risk analysis of accommodators accordingly, raise the quality of credit and decrease operation flaws, which is helpful to risk management.
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