| Summary: | 碩士 === 銘傳大學 === 財務金融學系碩士在職專班 === 102 === The existence of a financial industry aims at improving people’s life and the development of a country’s economy through providing a variety of financial services. Given the fact that he capital for a bank’s loan service comes from the clients of a bank, not the stockholders, when a bank encounters a financial crises, it will damage not only the bank, but also the whole society. Therefore, it is especially important that a bank should be operated with extra caution.
Due to personal credit loans, there are cases of large, fast-aging properties, and thus banks in order to reduce the amount of overdue loan, credit audit staff required at the beginning of the nuclear loan will be required to make optimal decisions, that levy, credit officers in accordance with the loan applicant information and messages out of the investigation provided to assess the size of the lender''s credit risk, as loans are approved, high and low level of loan amount and loan interest rate level basis. Thus when banks face intense competitive environment, to improve the number of lenders to reduce loan audit time to fight timeliness, and effectively reduce the amount of overdue loans, objective and scientific variables selection, will make the score sheet showing more role in making credit information more quickly get a complete analysis, in order to facilitate credit decisions.
In this study, a bank of small consumer credit customer empirical sample through logistic regression analysis to explore the impact of consumer credit risk of default loans overdue child.
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