台灣有限的金融市場規模下，各家銀行的授信業務相當競爭，因此授信品質為各家銀行相當重視的問題。本文使用logit迴歸模型來探討影響消費者小額信用貸款所面臨要考慮的主要違約風險變數，建置可參考的信用評分模型，最後由實證結果得知，解釋變量之中有代償行為與JCIC是否有被查詢的小額消費信貸客戶違約的可能性最高；其次，無擔保負債總額越低的信貸客戶越容易違約，教育程度在高中以下和未婚者的違約率也相對也較高，未來日後可列為銀行核貸案件之參考。

Under the limited financial market scale, the loans and credit business of banks is quite competitive in Taiwan. Therefore, the quality of client credit is a critical issue that banks pay considerable attention to. This research employs logistic regression model to explore the main default risk variables that need to be considered when banks verify consumer loans, and then builds a credit scoring model as a standard that can be referenced.

The empirical results are as follows. Firstly, both the appliers with compensatory behavior and have been queried by banks on JCIC have the highest default risk. Secondly, default risk is lower if appliers with higher total unsecured debts, or their education level is between senior high school and master degree, and so do the married appliers. This study can be a reference for banks while verify small amount credit loans.

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