| 摘要(英) |
Cash-Advance Card is among the typical trendy products brought to the market by many financing businesses here in Taiwan in the last years to answer the needs arise following the change of consumer awareness. Indeed at the beginning stage the sales of cash-advance card creates unexpectedly fruitful margin to these financing businesses however, following the high level NPL (non-performing loan) ratio remaining unchanged as a result of excessive expansion of granting the credit line to the customers under the banks’ competing promotion policy, the financing institutions gradually find it inevitable to expose their shortfall in risk monitoring and controlling systems. In view of these, the present study aims to explore the said issue, through empirical methods, by locating the factors leading to the contract violation for most of the cash-advance card users. The study, by putting variables influencing the contract violation into two aspects: the static aspect, i.e. before-loan personality characteristics, and the dynamic aspect, i.e. after-loan banking credit data, tries to formulate and establish an optimal credit scoring model tailored to the unique cash-advance card products in Taiwan, on the ground of firstly conducting a customer personality characteristics analysis before-loan and secondly implementing a proactive customer credit status management.
The study finds the empirical analysis results as the follows:
1. The variables affecting principal risks of cash-advance card customer’s contract violation:
In personality characteristics aspect, the present study finds that the major factors affecting credit granting quality and available in the subscribing application form are the four items: income pattern, annual income, education level, application source route.
In after-loan banking credit data aspect, the study finds five affecting factors, namely: finalized credit line, initial loan line, batch of short-term loan, credit line multiplication ratio, income contribution percentage.
2. Emphasis on After-loan Proactive Debt Management:
This is the most frequently overlooked area in the existing literature according to the literature review, however, empirical approaches demonstrate that after-loan debt management of proactive type is definitely influential to the effectiveness of credit line risk management. The study especially puts focus on checking and verifying the “interim credit line granting” practice found uniquely exclusively in cash-advance card management and finds that there are correlations between customer’s overdue payment and the bank’s finalized credit line, initial loan line, batch of short-term loan, credit line multiplication ratio, and income contribution percentage.
3. Proposal on Continuing Consecutive Credit Risk Management:
To the results found through empirical method, the risk management area shall not be confined to the loan seeking customer’s initial conditions or status and shall be well expanded to areas including “continuing consecutive management” and reviewing and modifying the decision making direction timely. The study believes that the financing businesses will not only realize their ideal of sustained operations but also serve as a stream of force contributing to the social stability.
4. Proposal on Further Releasing Credit Line Discretion to Financing Institutions:
The study also finds that the governmental authorities and agencies influence the operation performance of financing businesses with their regulations, orders and policies. Fortunately enough the study finds that in recent years the authorities or agencies have been redirecting towards the management models that vest banks larger range of credit line discretion. This will definitely give the banks more room to optimize their continuing consecutive debt management and this, in turn, will add extra supportive forces for risk management domain to develop not only more wholesomely but also more efficiently. |
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