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| Title: | 信用貸款額度與利率如何滿足消費者需求-以國軍輔導理財貸款為例
Using unsecured loans and interest rates to meet consumer needs: A case of employee loan programs in the military |
| Authors: | 蔚鎔璞
Yu, Rong-Pu |
| Contributors: | 朱琇妍
Chu, Shiou-Yen
蔚鎔璞
Yu, Rong-Pu |
| Keywords: | 信用貸款
貸款屬性偏好
曲線擬合
效用函數
選擇式聯合分析
金融常識
Unsecured Loan
Loan attribute preferences
Curve fitting
Utility function
Conjoint analysis
Financial literacy |
| Date: | 2024 |
| Issue Date: | 2025-02-04 15:59:15 (UTC+8) |
| Abstract: | 本研究聚焦於國軍官兵對信用貸款方案的需求與偏好，透過問卷調查與統計分析探討貸款額度、利率、還款年限、提供行庫及提早還款機制等屬性對消費者選擇的影響。本研究共回收398份有效問卷，並採用多項式羅吉斯回歸及CBC選擇式聯合分析進行資料處理，結合集群分析探討不同偏好群體的特性。同時，利用曲線擬合技術構建效用函數模型，分析貸款屬性與效用值之間的關係，精確預測消費者的選擇行為。結果顯示，貸款利率與還款年限為影響消費者選擇的關鍵因素，其中低利率與長期還款方案最受青睞。
研究發現消費者對貸款方案的偏好主要受產品自身屬性驅動，與個人背景如階級等變項無顯著關係。調查結果亦顯示，受訪者在金融常識方面仍有提升空間，特別是在貸款產品的選擇與決策上，這表明加強金融教育與資訊普及能進一步優化其決策能力。本研究依據實證結果提出多項建議，包括提升貸款方案的彈性與多樣性、進一步推廣金融教育，以及針對不同需求群體優化貸款方案設計，以期滿足官兵的多元資金需求並降低財務風險。
This study focuses on the preferences and demands of military personnel regarding personal loan programs. Using a survey and statistical analysis, it investigates how loan attributes such as amount, interest rate, repayment term, lending institution, and early repayment options influence consumer choices. A total of 398 valid questionnaires were collected, and the data were analyzed using multinomial logistic regression, choice-based conjoint (CBC) analysis, and cluster analysis to identify distinct preference groups. Additionally, utility function models were constructed through curve fitting techniques to analyze the relationship between loan attributes and utility values, enabling precise prediction of consumer choice behavior.
Results indicate that interest rates and repayment terms are the key determinants of consumer preferences, with low-interest and long-term loan options being the most favored. Moreover, consumer preferences are primarily driven by product attributes rather than individual backgrounds such as rank. The findings also reveal room for improvement in respondents' financial literacy, particularly in understanding loan products, highlighting the need for enhanced financial education and information dissemination. Based on empirical results, the study offers recommendations to increase the flexibility and diversity of loan programs, promote financial education, and tailor loan plans to meet diverse consumer needs, ultimately reducing financial risks. |
| Reference: | 壹、中文部分
一、專書
中華民國金融監督管理委員會(2004)。銀行風險管理實務範本：信用風險管理分論及案例彙編。普華永道國際會計師事務所。
黃景泰(2013)。金融人員消費者貸款必修12堂課。財團法人台灣金融研訓院。
二、期刊
王金利(1984)。台灣地區消費者需求形態實證分析：AIDS模型之應用。經濟研究，25，177-195。
陳光、任志良和孫海柱(2005)。最小二乘曲線擬合及Matlab實現。兵工自動化，24(3)，107-108。
三、學位論文
張純真(2006)。消費者偏好與購買行為之因果關係研究。國立台灣大學資訊管理學系碩士論文，未出版，台北。
莊堉蒨(2023)。網路影音平台使用者偏好分析。國立屏東大學國際經營與貿易學系碩士論文。未出版，屏東。
曾冠豪(2018)。以聯合分析探討消費者對汽車貸款商品之偏好。東吳大學企業管理學系碩士論文，未出版，台北。
賴義生(2007)。消費者小額信用貸款授信風險評估之個案研究。國立台北大學國際財務金融碩士論文，未出版，台北。
魏逢辰(2023)。消費者選擇個人信用貸款關鍵因素之研究。東吳大學企業管理學系碩士論文，未出版，台北。
四、網路資料
中華民國銀行商業同業公會全國聯合會(2024)個人信貸信貸主力商品彙整表，2024年10月18日，取自：www.ba.org.tw/FileDownLoad/DownloadList
金融監督管理委員會(2006)。強化金融教育宣導與普及金融知識，2024年10月18日，取自https://www.fsc.gov.tw
財團法人金融聯合徵信中心(2024)。信貸借款人各年齡層與性別交叉狀況的授信金額及利率統計表，2024年10月22日，取自：https://www.jcic.org.tw/main_ch/download_page.aspx?uid=213&pid=190
貳、外文部分
一、專書
Louviere, J., Hensher, A., & Swait, D. (2000). Stated Choice Methods.Cambridge University Press.
二、期刊
Ahmad, I., & Minkarah, I. (1988). Questionnaire survey on bidding in construction. Journal of Management in Engineering, 4(3), 229–243.
Bech, M., & Gyrd-Hansen, D. (2005). Effects coding in discrete choice experiments. Health Economics, 14(11), 1079–1083.
Bolboacă, S. D., & Jäntschi, L. (2007). Design of experiments: Useful orthogonal arrays for number of experiments from 4 to 16. Entropy, 9(4), 198–232.
Chen, Y., Fan, H., & Huang, Y. (2023). The impact of online credit lending model on the public's overspending decision. Advances in Economics. https://doi.org/10.54254/2754-1169/24/20230416
Dobson, K., & Khatri, N. (2000). Cognitive therapy: Looking backward, looking forward. Journal of Clinical Psychology, 56(7), 907–923.
de Levie, R. (2000). Curve fitting with least squares. Critical Reviews in Analytical Chemistry, 40(1), 59–74. 10.1080/10408340091164180
Frangos, C., Fragkos, K., Sotiropoulos, I., Manolopoulos, G., & Valvi, A. (2012). Factors affecting customers’ decision for taking out bank loans: A case of Greek customers. Journal of Marketing Research and Case Studies, 2012, Article 927167, 16.
Harrison, R., Özayan, A., & Meyers, S. (1998). A conjoint analysis of new food products processed from underutilized small crawfish. Journal of Agricultural and Applied Economics, 30(2), 257–265.
Johnson, A., Villanova, D., & Smith, R. (2023). Loan amount versus monthly payments: The effect of loan application formats on consumer borrowing decisions. Journal of Consumer Research, 50(4), 765–786.
Norton, J., & Bass, F. (1987) A Diffusion Theory Model of Adoption and Substitution for Successive Generations of High-Technology Products. Management Science, 33, 1069-1086.
Pekelman, D., & Sen, S. (1979). Improving prediction in conjoint measurement. Journal of Marketing Research, 16(2), 215–221.
Syakur, M., Khotimah, B., Rochman, E., & Satoto, B. (2018). Integration K-means clustering method and elbow method for identification of the best customer profile cluster. IOP Conference Series: Materials Science and Engineering, 336(1), 012017.
Wonder, N., Wilhelm, W., & Fewings, D. (2008). The financial rationality of consumer loan choices: Revealed preferences concerning interest rates, down payments, contract length, and rebates. Journal of Consumer Affairs, 42(2), 243–270.
三、網路資料
Consumer Financial Protection Bureau. (2019). Youth financial education curriculum review. Retrieved October 3, 2024, from https://www.consumerfinance.gov |
| Description: | 碩士
國立政治大學
行政管理碩士學程
112921319 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0112921319 |
| Data Type: | thesis |
| Appears in Collections: | [行政管理碩士學程(MEPA)] 學位論文
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