本論文建立一經濟理論分析模型，探討債權人在信用風險發生之後，選擇委託代 收債款業者代為收回應收帳款的情況下，針對代收債款業者在追求最大經營利潤之目 標下，其最適代收債款服務需求與價格之決策。本文研究結果發現:債權人對於某一特 定業者 之委託代收債款需求受到 業者本身以及產業中其他競爭業者之代收債款費 用、代收債款佣金率與代收債款預期成功率等三因素之影響。如第 代收債款業者之 預期收回機率提高，或降低其代收債款佣金率，或降低其代收債款收費，則對其代收 債款服務之需求將上升。反之，如果其他代收債款業者提高預期債款收回機率，或降 低收佣比率，或降低代收債款收費，則對於第 代收債款業者之需求量將減少。而決 定代表性業者之最適代收債款委託量、價格、佣金率及利潤之主要因素有平均預期債 款收回機率、代收債款費用及產業中之代收債款業者家數等三種因素。本文亦分別進 行比較靜態分析，以探討這些因素變動對於決策變數之影響。

In this paper, we establish an economic analytical model to explore that after the credit risk occurs, when debt collectors are entrusted to retrieve Non-performing Loan and in pursuing the goal of maximizing operating profits, the debt collectors´ optimal service demands and price decisions. This study found that: a creditor´s debt collect commission demand for a particular firm i is affected by the following three factors: debt collection fees, debt collection commission rate, and the expected success rate of the i firm itself and other competitors in this industry. If the i debt collector´s expected recovery rate increases, commission rate reduced, or fees decreases, the demand for its debt collection debt service will rise. Conversely, its demand will be reduced if other debt collectors improve their expected recovery rate, or reduce their commission rate or fees. The three main factors determining the representative firm´s optimal debts entrusted, price, commission rates and profits are the average probability of the expected debt recovery, debt collection fees, and the number of debt collection firms in the industry. We also did comparative static analysis in order to know the impact on dependent variable when these factors change.