- 學位論文
金融機構雙卡呆帳問題之探討
Discussion of Financial Institution's Bad Debt Regarding to Credit Cards and Cash Cards
摘要
近年來銀行消費金融業務成為各銀行主要獲利來源之一，其中小額信貸、信用卡、現金卡等等都成為各家銀行極欲推廣的主力商品，以期獲得更多的商機，而現金卡的成長更是快速，加上現金卡與信用卡的商品性質極為相似且具有互補性，使得各家銀行紛紛推出雙卡業務，發卡銀行為開拓業務，審核不夠嚴謹，造成一人多卡的浮濫現象，持卡人不懂得衡量自身財務狀況調整個人信用擴張速度，造成自己負債累累，也因此造成銀行雙卡呆帳過多，形成了卡債風暴。 本研究將以非介入性研究方式從債務協商機制、銀行循環利率、個人重整制度、資產管理公司（AMC）等四方面去探討相關卡債問題，並從中提出解決卡債問題之建議。 研究發現： （1）我國銀行之循環利率與各國比較起來較為合理，如果強行調降利率，非但解決不了卡債問題，還將會對我國經濟與社會造成影響。 （2）金管會與八大銀行所推出的債務協商機制，並不能解決高負債族群的問題，且此機制法規太過寬鬆，易被投機者濫用。 （3）觀察美國跟日本能順利解決金融危機及個人信用破產過多之問題，公營資產管理公司的設立及個人重整制度的立法都是很關鍵的因素，這 也是國內目前所欠缺的。 （4）本研究認為要解決國內卡債問題，需迅速成立一家具獨立性的公營資產管理公司，此管理公司資金充足，可接收高負債族群的債務，減輕他們的負擔，且因具獨立性，在處理雙卡不良債權時，將更有效率。
並列摘要
In recent years, consuming finance has become one of the major profit sources of banks. Among them, small credit loan, credit card and cash card have become the main products to be promoted. By doing so, banks hope to obtain more business opportunities, and the growth of cash cards is far more fast. In addition, the cash card extremely similar to goods quality of the credit card and has complementarity, make every bank introduce the business of credit cards and cash cards. the card bank is in order to open up the business, it is strict to verify incompletely, Cause a person to have many cards , the holder does not know how to weigh one's own financial situation and adjust Speed expanded of the personal credit, cause oneself debt. bad debt of the bank to be too much, have formed the debt storm of the card . this research use unobtrusive measures to probe into the relevant card debt question in four respects that the debt consultation mechanism, circulation interest rate of the bank, individual reorganization, asset management corporation and propose solving the suggestion of the debt problem of the card. The results : （1）It is comparatively rational for the circulation interest rate of the bank of our country to compare with various countries, if adjust and lower the interest rate, not only can not solve the debt problem of the card but also cause influence on the economy and society of our country. （2）The debt consultation mechanism can not solve the problem of the high debt group, and this mechanism regulation is too loose, it is apt to be abused by the speculator. （3）Observing America and Japan can solve the financial crisis and bankrupt too much problem of personal credit smoothly, establishment of the debt consultation mechanism and individual reorganization is all very key factors. （4）This research is thought to solve the problem of the card debt, need to establish the debt consultation mechanism with independent character rapidly, manage company's fund sufficiently, can receive debts of the hign debt group, and because have independent character, will be more efficient.