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Please use this identifier to cite or link to this item: http://ir.lib.stu.edu.tw:80/ir/handle/310903100/2521

Title: A STUDY OF DEFAULT FACTORS ON PERSONAL LOAN
A STUDY OF DEFAULT FACTORS ON PERSONAL LOAN
Authors: 陽玉豪
Duong Ngoc Hao
Contributors: 金融與風險管理系碩士班
陳穎峰
Keywords: default factors, personal loan.
default factors, personal loan.
Date: 2011
Issue Date: 2011-12-01 13:25:52 (UTC+8)
Publisher: 高雄市:[樹德科技大學金融與風險管理系碩士班]
Abstract: In the world, the large bank with more experience, much capital that can be threated to go to bankruptcy because of low credit quality. That reasons are valuable studies for Vietnam banking system. In Viet Nam, 60-70 percentage profits of Vietnam banking system are collected from credit income results. So credit risk is higher than others. Improving credit quality, risk reduction, it’s imperative for them. Although, there are some reports on the credit quality, my thesis is focused on default factors on personal loan. The study applies the method of non-probability sampling, specifically convenience sampling method. Linear regression is used to answer research questions. Result shows that marital status, occupation, age, education, gender and income are statistically significant with significance level of 5%. Thus marital status, occupation, age, education, gender and income are related to the credit quality. In addition, the reasons that make personal loans overdue were presented.
In the world, the large bank with more experience, much capital that can be threated to go to bankruptcy because of low credit quality. That reasons are valuable studies for Vietnam banking system. In Viet Nam, 60-70 percentage profits of Vietnam banking system are collected from credit income results. So credit risk is higher than others. Improving credit quality, risk reduction, it’s imperative for them. Although, there are some reports on the credit quality, my thesis is focused on default factors on personal loan. The study applies the method of non-probability sampling, specifically convenience sampling method. Linear regression is used to answer research questions. Result shows that marital status, occupation, age, education, gender and income are statistically significant with significance level of 5%. Thus marital status, occupation, age, education, gender and income are related to the credit quality. In addition, the reasons that make personal loans overdue were presented.
Appears in Collections:[金融與風險管理系(所)] 博碩士論文

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