개인특성·대출특성·금리특성이 연체가능성에 미치는 영향

• 영문명: The Effect of Personal Characteristics, Loan Characteristics and Interest Rate Characteristics on the Delinquency Possibility
• 발행기관: 강원대학교 경영경제연구소
• 저자명: 박상봉(Sang-Bong Park) 오영호(Young-Ho Oh)
• 간행물 정보: 『아태비즈니스연구』제11권 제3호, 63~77쪽, 전체 15쪽
• 주제분류: 인문학 > 문학
• 파일형태: PDF
• 발행일자: 2020.09.30

영문 초록

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

목차

Ⅰ. 서론

Ⅱ. 이론적 배경, 선행연구 및 가설설정

Ⅲ. 연구방법

Ⅳ. 실증분석 결과

Ⅴ. 결론

References

키워드

Equity Investment Membership Gender Credit Rating Loan Amount Loan Balance Maturity Repayment Method Total Debt Amount Collateral Type Overdue Interest Rate Interest Rate Spread Delinquency Possibility