個人貸款信用評分模型-以儲蓄互助社為例

Credit scoring model for individual loans:An example of Credit Unions

康建民(Chien-Min Kang)

指導教授 ： 林霖

國立暨南國際大學/管理學院/財務金融學系/碩士(2008年)

https://doi.org/10.6837/NCNU.2008.00340

摘要

本研究實證結果發現，在儲蓄互助社個人貸款信用評分模型中有個人屬性、償債能力、信用往來，財產狀況、貸放條件、外在總體因素等六個方面，經由這些內容可得知申請人之風險承擔能力之優劣與否。儲蓄互助社可依這些觀點當作放款批駁、額度多寡的依據，或是衍生出新的模型變數，讓信用評分模型更加有效、更趨完整，以提升放款品質，減少儲蓄互助社的損失。此外，亦將此評分模型轉化為第一線審核人員可直接運用的信用評分表，使之能直接應用於個人貸款審核業務上，使得信用評分模型及信用評分表能發揮其實務價值。

關鍵字

儲蓄互助社 ； 信用評分模型 ； Logistic Regression

並列摘要

This research results：there are individual attribute、payment ability、credit、finance、loan condition and external macro environmental factor aspects for individual loans of credit scoring model in credit unions.According to those content, it is clear to know the risk exposure of applicant.It is the good point for Credit Unions to use these viewpoints as verification and amount of loan .Perhaps by these viewpoints,it is more effective and complete for credit scoring model to derivate new model factors so as to promoteing loan quality, reduceing organization loss.In addition, this research also transform the credit scoring model into the credit scoring sheet that the first line examination personnel can use directly so that it can be applied directly on individual loan examination. In so doing, the credit scoring model and the credit scoring sheet can bring its practical value to full play .

並列關鍵字

credit unions ； credit scoring model ； logistic regression

參考文獻

參考文獻

中文資料

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3.江世傑（2000），模糊類神經網路在消費性貸款之應用，國立成功大學工業管理研究所碩士論文。