THE RISK MANAGEMENT METHOD BY THE MERHANT AND TRANSACTION EVALUATION MODEL IN LOAN SERVICE WITH CREDIT CARD RECEIVABLES AS COLLATERIAL

摘要

PURPOSE: A risk management method for the credit card receivable secured loan service with a member store transaction evaluating model is provided to evaluate credit card transaction through a member store transaction evaluating database and mediate the loan repayment process in real time by a mediator, thereby appropriately evaluating the present and future value of the member store. CONSTITUTION: A loan service provider inputs basic evaluation data of a credit card member store in a mediator server. The mediator server collects the transaction data of the member store and constructs a member store evaluating database. The mediator server transmits evaluation data to a credit finance company. The credit finance company determines whether to provide the credit card receivable secured loan service based on the member store evaluation data.