All Title Author
Keywords Abstract

Publish in OALib Journal
ISSN: 2333-9721
APC: Only $99


Relative Articles

Finance  2024 

A Research on the Effect of MBTI Personality Traits on Risk of Auto Loan Default—An Example of Chang’an Automobile Finance Company

DOI: 10.12677/FIN.2024.141036, PP. 336-343

Keywords: 贷后沟通,违约风险,MBTI,人格差异
Post-Loan Communication
, Default Risk, MBTI,Personality Difference

Full-Text   Cite this paper   Add to My Lib


本文基于行为金融学的研究方法和思路,研究MBTI (Myers–Briggs Type Indicator,迈尔斯–布里格斯类型指标)人格特征对车贷违约结果的影响。研究主要通过两个步骤进行:首先,通过专家他评的方法,根据贷后通话录音评估长安汽车金融公司844名车贷客户在MBTI四个人格维度上的行为表现,获取其在四个人格维度上的得分;此后,通过逐步前进逻辑回归的统计分析方法,检验四个人格维度对预测车贷违约结果的模型是否有贡献。结果发现,贷款客户在判断–知觉和实感–直觉两个维度上的行为倾向影响其最终还款结果:即在贷后沟通中越强调时间及现实后果的客户,更不易还款违约。
The research was conducted based on the research methodology and ideas of behavioral finance, which investigated the impact of MBTI (Myers-Briggs Type Indicator) personality traits on automobile loan default behavior. The data was collected and analyzed in two steps: first, the behavioral tendency of 844 automobile loan borrowers of Chang’an Automobile Finance Company on the four personality dimensions of MBTI was assessed based on the post-loan call recordings through the method of expert assessment, and their scores on the four personality dimensions were obtained; thereafter, the four personality dimensions were examined through the method of stepwise logistic regression for statistical analysis to see whether they have a contribution to the model for predicting the risk of loan defaults. It was found that loan borrowers’ behavioral tendencies on the judging-perceiving and sensing-intuition dimensions influenced their final repayment outcomes: i.e., borrowers who placed more emphasis on time and realistic consequences in post-loan communication were less likely to default on their repayments.


[1]  董续勇. 不良资产清收处置的数字化转型[J]. 中国金融, 2021(24): 64-66.
[2]  Zhu, L., Qiu, D., Ergu, D., Ying, C. and Liu, K. (2019) A Study on Predicting Loan Default Based on the Random Forest Algorithm. Procedia Computer Science, 162, 503-513.
[3]  Livingstone, S.M. and Lunt, P.K. (1992) Predicting Personal Debt and Debt Repayment: Psychological, Social and Economic Determinants. Journal of Economic Psychology, 13, 111-134.
[4]  王兰. 外控型人格与信用卡违约行为宜人性与尽责心的调节作用[D]: [博士学位论文]. 北京: 北京大学, 2013.
[5]  Ge, R., Feng, J., Gu, B. and Zhang, P. (2017) Predicting and Deterring Default with Social Media Information in Peer-to-Peer Lending. Journal of Management Information Sys-tems, 34, 401-424.
[6]  Goby, V.P. (2006) Personality and Online/Offline Choices: MBTI Profiles and Favored Communication Modes in a Singapore Study. Cyberpsychology & Behavior, 9, 5-13.
[7]  Mehl, M.R., Gosling, S.D. and Pennebaker, J.W. (2006) Personality in Its Natural Habitat: Manifestations and Implicit folk Theories of Personality in Daily Life. Journal of Personality and So-cial Psychology, 90, 862-877.
[8]  Blackwell, D., Leaman, C., Tramposch, R., Osborne, C. and Liss, M. (2017) Extraversion, Neuroticism, Attachment Style and Fear of Missing out as Predictors of Social Media Use and Addiction. Personality and Individual Differences, 116, 69-72.
[9]  鲁娟, 樊荣. 上海市医学生的MBTI常模[J]. 中国健康心理学杂志, 2019, 27(4): 610-614.
[10]  Naser, M.Z. and Ala-vi, A.H. (2021) Error Metrics and Performance Fitness Indicators for Artificial Intelligence and Machine Learning in En-gineering and Sciences. Architecture, Structures and Construction, 8, 1-19.
[11]  Woo, H. and Sohn, S.Y. (2022) A Credit Scoring Model Based on the Myers-Briggs Type Indicator in Online Peer-to-Peer Lending. Financial Innovation, 8, Article No. 42.
[12]  Netzer, O., Lemaire, A. and Herzenstein, M. (2019) When Words Sweat: Identifying Signals for Loan Default in the Text of Loan Applications. Journal of Marketing Research, 56, 960-980.


comments powered by Disqus

Contact Us


WhatsApp +8615387084133

WeChat 1538708413