| 篇名 |
Rationality of the personal loan interest-rate markups of banks |
| 並列篇名 |
銀行對個人貸款加碼利率合理性之研究 |
| 作者 |
Ming-Chang Wang、Sung-Shan Chen、Jen-Min Chiang |
| 英文摘要 |
This study provides a model of banks’ personal loan interest-rate markups by analyzing their expected profit maximization. Employing 804 personal loan cases from one Taiwanese bank, our empirical findings show that this model is able to identify the personal loan interest cut-off rates for each risk segment for bank profit maximization in order to determine personal loan interest-rate markups in a more accurate and rational manner. The interest-rate markups identified by this model can serve as a reference for banks’ projections regarding optimal interest-rate markups for personal loans. |
| 起訖頁 |
115-163 |
| 關鍵詞 |
Credit scoring model、Credit quality、Credit risk、Interest-rate markups |
| 刊名 |
陽明交大管理學報 |
| 出版單位 |
陽明交通大學管理學院（原：交通大學管理學院）
|
| 期數 |
201706 (37:1期) |
| DOI |
10.3966/102873102017063701004 複製DOI DOI申請 |
| QRCode |
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