| dc.description.abstract | Since 1999, the cash card system was introduced from Japan ACOM by Coamos Bank. Therefore, some of Taiwanese banks also introduced the system and technology from Japan one after another. However, because of the differences of situation of the country, structure of the society, and characteristics of clients, it’s not suitable to adopt the accredited evaluation form of the other country directly. Also, as for those banks that didn’t adopt the Japanese system, some used accredited evaluation of the credit card or a small amount of a loan. However, because of the difference of the target clients, they just used parts of the evaluation. This way is also not objective and affects the quality of the accredited system indirectly. Hence, according to client base of cash cards, to build a sound evaluation of cash card examination is the way to increase the number of issuing cards. In addition, the banks should evaluate the credit risk of clients at first effectively and react credit risk degree of clients in time. This way can reduce the ratio of breaking the contract---exceeding a time limit and loss of banks’ bad debt.
This research discusses if the risk factor that effected on exceeding a time limit by adopting samples of clients of top five banks which issued cash cards has the same results as the past researchers who discussed the home loan, a small amount of a loan and credit card risk in order to realize the difference of clients’ characteristics of different products. The research is shown that six significant factors---age, sex, occupation, structure of family, numbers of children and ratio of debt have the similar results to the past researches by using statistic way—Logistic-Regression. Besides, three significant factors---income, resources of cases, and home loan are different to the past ones or they were not discussed in the past. It’s shown that the ratio of breaking the contract---exceeding a time limit of the high income people is higher than low income ones. Then, the ratio of breaking the contract of applicants who applied for a loan by themselves is also significant higher than those who applied for a loan through the marketing companies and the cases which employees worked for. Also, the ratio of breaking the contract of people who have a home loan is lower than those who don’t. The degree of accuracy of accredited model is 85.67% in this research. | en_US |