台灣消費性信用緊縮之研究─以雙卡風暴為例 / Abstract Taiwan has suffered a credit crisis on unsecured lending products that began at the end of 2005. The default on credit cards and cash card products have incurred almost 300 billion NT dollars to be written off during the period from October 2005 to the end of 2007, hitting the highest amount of none-performing loans (NPL) for Taiwan’s plastic payment history. This thesis gives a comprehensive account on the development of credit cards and cash card products, while cross–examining their relation to (1) the over-banking phenomena, (2) the over-lending with proliferation of unsecured lending products, and (3) the stressed economy, and, in the end, provides my recommendation for unsecured consumer financial product development in Taiwan.