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 Micro factors affecting personal loan default risk in commercial banks in Danang, Vietnam
Tác giả hoặc Nhóm tác giả: Hồ Sĩ Phước Lâm, Phan Hoàng Long*
Nơi đăng: Hue University Journal of Science: Economic and Development; Số: 130(5B);Từ->đến trang: 71-81;Năm: 2021
Lĩnh vực: Kinh tế; Loại: Bài báo khoa học; Thể loại: Trong nước
TÓM TẮT
This paper examines the micro factors affecting of the risk of personal loan default using 6,287 loans to 4,023 individual customers from a commercial bank in Danang for the period between 2016 and 2020. Variables related to the characteristics of the loan, the customer, and bank’s credit officer are included in the logistic regression model. The result shows that the risk of personal loan default is related to the size and the purpose of the loan, customer’s gender and borrowing experience, and credit officer’s age. On the other hand, no relation is found for loan’s maturity duration, customer’s age, and credit officer’s gender and experience.
ABSTRACT
This paper examines the micro factors affecting of the risk of personal loan default using 6,287 loans to 4,023 individual customers from a commercial bank in Danang for the period between 2016 and 2020. Variables related to the characteristics of the loan, the customer, and bank’s credit officer are included in the logistic regression model. The result shows that the risk of personal loan default is related to the size and the purpose of the loan, customer’s gender and borrowing experience, and credit officer’s age. On the other hand, no relation is found for loan’s maturity duration, customer’s age, and credit officer’s gender and experience.
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