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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.
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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:	[Master for Eminent Public Administrators] Theses

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