现金卡消费者风险评估模型之研究.PDF

ReviewReview ofof FinancialFinancial RiskRisk ManagementManagement 63 9663-82 The study of risk evaluation model on cash card consumer Wen-C hing H siao L i-C hun H uang 261 79 260 11 Department of International Trade, Lan Yang General education center, National Ilan University Institute Technology I Lan, Taiwan 260, R.O.C. Tou Chen, I Lan, Taiwan 261, R.O.C. G wo-G uang Wong 261 79 Department of International Trade, Lan Yang Institute Technology Tou Chen, I Lan, Taiwan 261, R.O.C. LogisticLogistic 72.6%71.7% Logistic J E L C52, G32 * Tel. (03)9771997-222; fax:(03)9789012 wenching@mail.fit.edu.tw () Corresponding author: Tel.: (03) 9771997-222; fax:(03)9789012. E-mail address: wenching@mail.fit.edu.tw (W.C. Hsiao) ** 64 96 3 Abstract To meet those people who need a small amount of money right away, the financial institutions issue cash card with a high interest rate and high return by quickly processing the loan. However quickly passing the loan also makes this financial merchandise of personal consumption risky. Hence financial institutions need to solve the problem on how to develop the evaluation system of risk for cash card applicants to lower or prevent the loss of bad debt while increasing the number of cash card holder. With the data of cash card customer from