A Macroeconomic Analysis of Consumer Loans

[[abstract]]本文分析2005年1月至2013年7月台灣消費者貸款餘額與總體經濟之貨幣供給額、消費者物價指數、失業率、銀行業逾期放款、基準利率等變數間的互動關係。結果發現消費者貸款餘額受到台灣消費者貸款餘額及失業率的影響較大，貨幣供給額和消費者物價指數對其影響其次，消費者貸款餘額則較不受基準利率和逾放比率影響。[[abstract]]This paper investigates the macroeconomic analysis of consumer loans from January 2005 to July 2013 using money supply consumer price index rate of unemployment the non-performing loans ratio of bank and base lending rate as variables to analyze the impact of macroeconomic on consumer loans in Taiwan after the credit card and cash card crisis We can find the results are:Consumer loans have greater influence by consumers and the rate of unemployment money supply and consumer price index are inferiorities The base lending rate and the non-performing loans ratio did not affect i