An Empirical Analysis of Credit Card Customers’ Overdue Risks for Medium- and Small-Sized Commercial Bank in Taiwan

摘要

This paper constructs a multiple regression model to evaluate the overdue risk of credit card holders. The results can identify the factors influencing the credit card holders’ overdue risk behavior in order to provide card issuing banks a decision-making reference in the investigation of credit card holders’ related characteristics and the relationship qual-ity between the credit card holders and the bank. In addition, the paper can also provide credit card issuing banks the practice reference of the application on risk management decision.