Advances in Economics, Management and Political Sciences
- The Open Access Proceedings Series for Conferences
Proceedings of the 2023 International Conference on Management Research and Economic Development
Series Vol. 25 , 13 September 2023
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Different Factors the Banks Can Use to Evaluate and Screen the Customers’ Credits
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Abstract
The global economy has become increasingly volatile due to the facts such as wars and epidemics. Therefore, banks may suffer even higher risks from credit card default. This may cause a vicious circle. This paper aims to help the banks evaluate and screen the customer's credits based on different factors. Statistical methods such as ANOVA analysis or Binary logistic regression are used to study and assess the significance of other variables. The results demonstrate that several factors, such as given credit or marital status, are significant to the credit card default, and education may be considered the most critical factor.
Keywords
customers’ credits, credit card, the global economy
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Data Availability
The datasets used and/or analyzed during the current study will be available from the authors upon reasonable request.
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- Volume Title
- Proceedings of the 2023 International Conference on Management Research and Economic Development
- ISBN (Print)
- 978-1-915371-93-5
- ISBN (Online)
- 978-1-915371-94-2
- Published Date
- 13 September 2023
- Series
- Advances in Economics, Management and Political Sciences
- ISSN (Print)
- 2754-1169
- ISSN (Online)
- 2754-1177
- DOI
- 10.54254/2754-1169/25/20230482
- Copyright
- 13 September 2023
- Open Access
- This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited