消費金融業務風險因子之研究─以醫美消費授信為例

NCUIR > School of Management at National Central University > Executive MBA > Electronic Thesis & Dissertation > Item 987654321/88534

Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/88534

Title:	消費金融業務風險因子之研究─以醫美消費授信為例
Authors:	郭俊雄;Kuo, Chun-Hsiung
Contributors:	高階主管企管碩士班
Keywords:	個人消費;決策樹;風險評估;醫美分期個案;Consumer Finance;Decision Tree;Risk Assessment;Medical Aesthetic Staging Case
Date:	2022-06-10
Issue Date:	2022-07-14 13:52:50 (UTC+8)
Publisher:	國立中央大學
Abstract:	本論文目的為找出醫美分期個案發生違約相關的風險因子，此次研究將利用決策樹找出風險因子並建立快速通過審批及快速拒絕審批的模型。個人消費愈強對經濟發展助力愈強，而銀行業提供的信用卡及金融機構或廠家承作的個人消費分期，更可提供社會大眾加大消費力度。唯個人消費分期進行風險評估過程中，評估決策時間需在數分鐘內完成，要做審慎評估實有難度。且相對企業授信及銀行信用卡授信提供的有效訊息更少，又資金提供方與分期消費者均未曾互動過，授信後的違約發生率較高。相對企業授信、銀行信用卡違約研究已有一定的評估方式及成效，消費分期風險評估的發展仍有繼續提昇空間。本論文利用個案公司與個人消費客戶獲取平台合作的4萬多筆申請資料，使用狀況、分期還款狀況、逾期、違約等訊息嚐試找到消費金融風險因子。讓現況實際違約發生率約9.5%，能在找到模型後進一步下降。本文發現客戶分級、往來金額的高低與發生違約的機率有很大的關聯。;The purpose of this paper is to identify the risk factors associated with the occurrence of default in medical aesthetic staging cases, and this study will use decision trees to identify risk factors and establish models for rapid approval and rapid rejection of approval. The stronger the personal consumption, the stronger the economic development, and the credit cards provided by the banking industry and the personal consumption installments undertaken by financial institutions or manufacturers can provide the public to increase their consumption efforts. In the process of risk assessment of personal consumption in stages, the assessment decision-making time needs to be completed within a few minutes, and it is difficult to make a careful assessment. Moreover, compared with the effective information provided by corporate credit and bank credit card credit, and the capital provider and the installment consumer have not interacted, the incidence of default after credit is high. Compared with the research on corporate credit and bank credit card defaults, there are certain evaluation methods and results, and there is still room for further improvement in the development of consumption staging risk assessment. This paper uses more than 40,000 application materials cooperated by individual companies and individual consumer customers to obtain platforms, and uses information such as status, installment repayment status, overdue, and default to try to find consumer finance risk factors. The actual incidence of the current situation is about 9.5%, which can further decrease after the model is found. This article found that the level of customer rating and the amount of transactions are greatly related to the probability of default.
Appears in Collections:	[Executive MBA] Electronic Thesis & Dissertation

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