The Warning of the Default Risk on Consumer Credit: Evidence from a Commercial Bank

• Main Authors: Ching -Mei Chang, 張靜媚
• Other Authors: 紀麗秋
• Format: Others
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/m993j3

碩士 === 國立虎尾科技大學 === 經營管理研究所在職專班 === 101 === After the financial crisis of 2008 (also known as the “financial tsunami”), the European debt crisis occurred. The rapid global economic downturn severely disrupted economic growth worldwide and resulted in global economy recession. Taiwan has been deeply affected by the international economic situation. Under the global promotion of the Basel III, the future implementation will be a threat to the efficiency of banking business in Taiwan. In order to make a profit, it is an important issue for the banking business in Taiwan to measure all kinds of risks. In this study, we focused on the 15 variables selected from the data of a commercial bank. We use the SPSS statistical analysis software to research. According to the empirical results of different types of variables and the numbers of breach of contract cases, the marital status, annual income, dependent population, number of years of residence, whether engaged in revolving interest and the inquiry records of other banks had significant differences in the occurrence of breach of contract. We use this study to built on the appropriate and standardized operation guideline and procedure for the banks based on different groups and different risk attributes. By doing this, we may reduce the occurrence of breach of contract and provide the banks with a reference when operating the business.