公營銀行與民營銀行的個人信用貸款違約因素之探討

A Study of the Determinants of Defaults on Personal Credit Loan : Evidences from Publicly-stocked Banks and Private Banks

林宜錩(Lin Yi-Chang)

指導教授 ： 洪振義

朝陽科技大學/管理學院/財務金融系/碩士(2014年)

摘要

卡債風暴後，使得金融市場環境變化，促使銀行經營面臨更嚴厲的挑戰。為了減少信用貸款違約（Personal Credit Loans Default）以降低逾放比例，現今已成為銀行經營的重要目標。因此，造成信用貸款違約有許多不同因素所組成，將有效減少信用貸款違約數量，並且運用決策實驗室分析法（Decision Making Trial and Evaluation Laboratory；DEMATEL）與因素分解模型（Factor Decomposition Model；FDM）結合為DFDM，將信用貸款違約問題予以結構化，以進行深入探討因素之間的落差程度。研究結果發現具有相當的可用性之解決方案，可以成功辨識出公營銀行與民營銀行關於信用貸款違約的關鍵要素與差異性，可供後續研究參考。

關鍵字

決策實驗室分析法 ； 因素分解模型 ； 信用貸款違約 ； 卡債風暴

並列摘要

The card debt storm later, the change of a financial market environment and the presence of a bank’s tougher challenges a management. In order to reduce overdue loan ratio of the personal credit loans default has become to an important pointer of bank’s prosecution now. Therefore, personal credit loans default due to many different factors, which would effective reduce the number of credit loans default and used DEMATEL model discuss level difference between FDM model of the structured personal credit loans default problem. This study concludes is provided with considerable availability of solutions that can study public bank and civil bank on the breach personal credit loans default difference of factor successfully, which study can available for follow-up reference.

並列關鍵字

FDM model ； DEMATEL model ； Card Debt Storm ； Personal Credit loans Default

參考文獻

9. 詹惠如(2004)。個人消費金融信用風險之評估-以某銀行之現金卡為例，東吳大學會計學系碩士論文。

3. 張文生(2001)。銀行建構「信用卡信用風險即時預警系統」之研究，中原大學企業管理研究所碩士論文。

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