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A utility function model of individual credit card holder based on their spending behavior is constructed in this research. An accumulation of the individual utility of three different risk attitudes of cardholders may be useful for promoting the profits of credit card business for banks.
Due to the privacy of cardholders and the lack of real data, a questionnaire sampling is used to collect data for this study. A result of this experimental study indicates that credit card holders with a different sex, age, level of education, asset condition, seniority, and occupation have different risk tendency. Based on 249 effective samples in this research, credit card holders who belong to females, teenagers, relatively low educated, without real estate, middle seniority, and relatively volatile occupation are more risk seeking. Relatively risk seeking credit card holders have the tendency to make use of their revolving credit and to borrow cash or to buy financial products with their credit cards. For those with three different risk attitudes, their default of credit card loans are not significantly different. The finding indicates relatively risk seeking cardholders may contribute more profits to the credit card business for banks.
A risk attitude classification model built by artificial neural network has also been developed. The model may assist banks' administrators using their applicants' demographics to distinguish their risk attitude for approving an appropriate credit limit for a cardholder's expenditure to promote the total credit card profit for banks.
| Identifer | oai:union.ndltd.org:NSYSU/oai:NSYSU:etd-0629100-142851 |
| Date | 29 June 2000 |
| Creators | Lai, Shin-Yi |
| Contributors | Yih Jeng, Hsueh-Foo Lin, Iuan-Yuan Lu, Tsuang-Yih Kuo |
| Publisher | NSYSU |
| Source Sets | NSYSU Electronic Thesis and Dissertation Archive |
| Language | Cholon |
| Detected Language | English |
| Type | text |
| Format | application/pdf |
| Source | http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0629100-142851 |
| Rights | unrestricted, Copyright information available at source archive |
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