FACTORS INFLUENCING ON CREDIT CARD ANALYSIS OF NON-BANK FINANCE INSTITUTES.
The research objectives represented 1) to examine the credit analysis’s process of non-bank institutes 2) to examine the factors that influenced the credit analysis of non-bank institutes. The qualitative research represented the in-depth interview and observation as the instruments. The population and samples consisted of 20 executives, managers and credit analysts of non-bank institutes by purposive selection method, the data collection was made with in-depth interview and observation on the detail of working procedures and synthesis the specified data to answer the research question.
The finding found that the credit card issuer companies who issued the credit card and performed the utilization to the card holders in term of bill payment that credit card service provider issuers opened the credit line with other firms. The credit card issuers gained the benefits in term of issuing fee, new entrant fee, annual fee and other fees such as cash advance fee, interest receivable fee, delay penalty fee and clearing fee on payment. Therefore, the credit card issuers accepted all risk in the case of unable to collect the debt of credit card holders. Credit analysis results came from the customer document analysis, completed document, personal credit information, income, monthly expenses of customers and most significantly, the ability of credit analysts that the mistake in analysis due to reject the credit card application.