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The Debt-Collection Capability Determinants of Commercial Banks : The Applications of AHP Model and Sensitivity Analysis

This paper analyzes the essential requirements and changing trends in the conditions of debt collection, derives the practical methodologies of implementing the AHP and sensitivity analysis with the Excel spreadsheet as to select the optimal strategic factors, identify the priorities of their critical competitive factors, and derives the appropriate strategic alternatives. We find that the most important determinant is the specialist upbringing when the importance ratio of internal factor to external factor is low, in the meanwhile the computing system improvement when the importance ratio of internal factor to external factor is high. And we find that the computing system improvement experiences the largest change in their strategic importance and the lending training strengthening has the smallest change as the importance ratio of internal factor to external factor moves. Specifically, we identify the underlying principles and key solving-tasks of AHP and explain the fully-detailed procedures of applying their mathematical formula and notations to the fact data using the Excel spreadsheet.