自2005年起，台灣面臨不斷擴張的卡債問題，類似南韓及香港的信用卡危機的困境。現金卡及信用卡本為銀行爭相發展的業務，但是自從雙卡危機發生後，卻轉變為不被看好的業務。本研究主要探討台灣的雙卡危機，並介紹香港、南韓、及美國曾經歷的消費金融問題。此外，我們也分析它的發生原因及影響，並從中提出建議。 本研究發現，自從1997年亞洲金融危機後，南韓、香港、及台灣的金融機構減少企業部門的貸款，把焦點轉向消費金融業務。由於民眾消費習慣的改變，加上金融機構急於擴展個人信貸市場，卻忽視風險的控管，信用市場氾濫無度的情形終於暴露出來，許多人被推到破產的邊緣。雖然這些國家的政府已採取措施，對信貸擴張降溫，但是信用破產風險仍然揮之不去。 依據本研究結果提出以下的建議: (1) 監理機關應加強落實事前管理工作，並對銀行的授信政策執行情況嚴格檢查，要求銀行適當的公開資訊揭露，對於問題金融機構能及早干預；(2) 金融業者善用本身的特色致力於創新，參酌內部及聯徵中心的信用評分結果，採取差別利率並檢視債信變化，為因應「消費者債務清理條例」辦理消費金融業務應更謹慎；及 (3) 建議消費者養成正確的消費觀念，維護及重視個人信用，並有積極正確的理債態度。 / Since 2005, Taiwan has facing a serious card debt problem and widespread default of loan similar to those effects in South Korea and Hong Kong. Due to the outburst of the twin-cards crises, the bad debt issue made these financial tools from profit provider into trouble maker. The purpose of this paper is to research the crisis of twin cards in Taiwan. Besides, we introduce several cases of consumer financing dilemma in South Korea, Hong Kong and the United States. Furthermore, we analyze the critical determinants and relevant repercussions connecting to the credit crisis, proposing detailed suggestions and solutions to the issue involving in credit debt. The main finding of this empirical study indicates that after 1997 Asia financial crisis, financial institutions of South Korea, Hong Kong and Taiwan radically decreased their lending to corporate sector, and they instead turned their sights on household loan. Due to the shift of Customer consumption habit and unlimited expansion in credit card market, some banks and financial institutions fail to perform the evaluation of risk management. Consequently, excess supply of credit would result in bad loan, thus many people were pushed to the edge of personal insolvency. Although the governments of these countries have taken some necessary steps to curb the overheating credit market, the risks of a credit bust still linger. According to the research findings, we have the following suggestions. First, the financial supervisory commission should regulate the fundamental guidelines of all financial institutes, performing its authority by requesting all banks to reveal relevant information and by diagnosing all banks to prevent problem. Second, these institutions should take the outcome of the credit rating system into account, basing their evaluations accordingly on the strategy of discrimination in interest rate and on relevant egulations. Third, we suggest that consumers should learn adequate consumption behavior, and that individuals should develop positive attitude in financial management.

由於部分消費者的過度融資消費以及銀行業者之間的惡性競爭所引起的國內金融雙卡危機，造成以經營消金業務為重心的銀行受到嚴重的衝擊。如何藉由此次危機的外在環境變化與銀行內部經營的優勢與劣勢，迅速調整銀行經營策略，重新建立品牌形象來區隔與競爭對手的不同，才能在瞬息萬變的金融環境中繼續發展永續經營，是現階段消金銀行所必須優先因應處理。 本研究以個案銀行為探討對象，希望藉由SWOT分析及其規劃經營策略模式，找出消費者貸款相關的授信風險管理機制，發展出差異化經營方式，進而提升未來競爭優勢以建立新的經營獲利模式。 本研究彙整顯示個案銀行目前採用以下幾點經營策略: 1.強化風險管控機制，特別是客戶的財力與支付能力 2.加強產品創新能力以及行銷企劃 3.透過顧客關係管理資訊，加強並深耕優質客戶往來。 4.加強分行往來優質客群交叉銷售相關消金商品 5.落實組織改造精神，提昇經營綜效 關鍵詞: 雙卡危機、經營策略模式、風險管理機制、差異化經營。