Abstract
Banks still want to recover part of overdue loans, and choose a corresponding debt collection strategy for each customer based on some factors. The article uses cross-sectional analysis and nonparametric tests to determine the factors that influence banks' recovery of loans. From the analysis, recovery strategies and sex are independent of each other. Loan recovery ratios are related to the cost of debt collection strategies. A binary logistic regression model concludes that gender, age and expected recovery amount did not influence the choice of debt collection strategy.
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