The key factors of outstanding credit balances among revolvers: A case study of a bank in China
The key factors of outstanding credit balances among revolvers: A case study of a bank in China
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左轮手枪未偿信贷余额的关键因素——以中国某银行为例
DOI：
10.1016/j.procs.2016.07.091
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发表时间：
2016
期刊：
影响因子：
--
通讯作者：
He Xiaoli
中科院分区：
文献类型：
--
作者：
He Changzheng;Zhu Bing;Zhang Mingzhu;He Xiaoli
本研究的目的是找出影响中国信用卡市场循环信用卡用户余额的关键因素。用赫克曼方法对中国某银行的数据集进行了分析。针对少量左轮手枪走动不平衡的问题，尝试使用机器学习领域中的再平衡方法来解决这一问题。结果显示，成为左轮手枪的决定因素和未偿还余额的金额存在差异。年龄、住房条件、行业、每次平均现金预付款等与信用卡余额显著相关。
The purpose of this study is to find the key factors of the amount of outstanding balances among revolving credit card users in Chinese credit card market. A Heckman procedure is used to analyze a dataset of a bank in China. The small amount of revolver coursing imbalanced problem, and we try to use the rebalanced method in machine learning domain to deal with the problem. Results show there are differences in the determinants of being a revolver and the amount of the outstanding balance. Age, housing condition, industry, and average cash advance amount per time, etc. are significant related to the outstanding credit card balance.