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Research on raise compliance rate of bank financial products based on Logit

  • School of Management, University of Science and Technology of China, Hefei 230026, China

Cite this: JUSTC, 2017, 47(3): 231-235
https://doi.org/10.3969/j.issn.0253-2778.2017.03.005
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  • Received Date: May 02, 2015
  • Revised Date: September 09, 2015
  • Accepted Date: September 09, 2015
  • Published Date: March 29, 2017
    Abstract
  • The factors that influence whether financial products would raise enough amounts to reach the standard (the actual amounts of products raised reach prescribed minimum of planned amounts) were studied. A sample of 13667 bank financial products issued in two years from 2011 December to 2013 December was used, which contains two parts(a training sample and a prediction sample), and Logit model was employed to analyze the relationship between the basic elements of bank financial products and raise compliance rate. In addition, the validity of the model was verified with a prediction sample. The results indicate that higher credit ratings of the issuing banks, wider sales area, higher expected rates of return, and lower prescribed minimum of planned amounts of producted raised will create a higher raise compliance rate. Furthermore, among the four factors, bank’s credit ratings made the largest influence, followed by sales area, expected rates of return ceiling and prescribed minimum of planned amounts of producted raised.
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