Rationality of the personal loan interest-rate markups of banks

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DC Field	Value	Language
dc.contributor.author	Ming-Chang Wang	en_US
dc.contributor.author	Sung-Shan Chen	en_US
dc.contributor.author	Jen-Min Chiang	en_US
dc.date.accessioned	2017-07-25T06:33:40Z	-
dc.date.available	2017-07-25T06:33:40Z	-
dc.date.issued	2017-06-01	en_US
dc.identifier.issn	1028-7325	en_US
dc.identifier.uri	http://hdl.handle.net/11536/137156	-
dc.description.abstract	This study provides a model of banks' personal loan interest-rate markups by analyzing their expected profit maximization. Employing 804 personal loan cases from one Taiwanese bank, our empirical findings show that this model is able to identify the personal loan interest cut-off rates for each risk segment for bank profit maximization in order to determine personal loan interest-rate markups in a more accurate and rational manner. The interest-rate markups identified by this model can serve as a reference for banks' projections regarding optimal interest-rate markups for personal loans.	en_US
dc.language.iso	en_US	en_US
dc.publisher	交通大學	zh_TW
dc.publisher	National Chiao Tung University	en_US
dc.subject	Credit scoring model；；Credit quality；；Credit risk；；Interest-rate markups	en_US
dc.title	Rationality of the personal loan interest-rate markups of banks	en_US
dc.title	銀行對個人貸款加碼利率合理性之研究	zh_TW
dc.type	Campus Publications	en_US
dc.identifier.journal	交大管理學報	zh_TW
dc.identifier.journal	Chiao Da Mangement Review	en_US
dc.citation.volume	37	en_US
dc.citation.issue	1	en_US
dc.citation.spage	115	en_US
dc.citation.epage	163	en_US
Appears in Collections:	Chiao Da Mangement Review

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