English  |  正體中文  |  简体中文  |  Items with full text/Total items : 56088/90157 (62%)
Visitors : 11547346      Online Users : 68
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library & TKU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/102016

    Title: 臺灣地區銀行對中小企業授信評估之個案研究 : 以C銀行為例
    Other Titles: A study of Taiwanese bank credit assestments on the medium and small enterprises : a case study of C Bank
    Authors: 林整鍾;Lin, Cheng-Chung
    Contributors: 淡江大學國際企業學系碩士在職專班
    黃志文;Huang, Chih-Wen;張俊惠;Chang, Chun-Hui
    Keywords: 銀行;中小企業;授信;Bank;Medium and Small Enterprises;Credit Assestments
    Date: 2014
    Issue Date: 2015-05-04 09:45:22 (UTC+8)
    Abstract:   中小企業為臺灣經濟體系的主要核心,我國政府亦著力於扶植中小企業發展,而在扶植企業的營運拓展上,銀行業在金流方面扮演著重要角色,然而面對現今低利環境及市場過度競爭的困境下,銀行業應如何有效管控授信業務風險,繼而提升效率及品質,對銀行業的經營將是重要的課題。

    Small and Medium Enterprises (SME) are the core of Taiwan’s economy system. The government has put in effort and committed to the SME development in all aspects. Throughout the development of SME in the past years, financial institutions have played an important role in smoothen money/payment flow. However, facing the challenges such as low interest rate and keen competition caused by overbanking, how to effectively control credit risk and further improve efficiency and quality of operations became a very important matter for all banks.

    The purpose of this study is to provide banks and its lending business related personals a credit risk evaluation reference by analyzing the credit assessment process of SME lending in Bank C. From Bank C’s developing enterprises banking center’s portfolio, five similar business scale corporations were chosen for case study. These credits were first examined by an risk rating evaluation model and a set of assessment standards setting up by Bank C’s existing related credit policy and regulations, and then these credits were examined by experienced credit risk specialists along with the 5P analysis. The conclusion of the two steps forms the approval/disapproval, and conditions and terms of credits.

    It is broadly known that Taiwanese SME generally reveals limited information both operationally and financially via financial statements, and thus, the banks are exposed to risks hidden beneath the surface. By properly combining standardized credit risk rating assessment with experienced personal judgment, the bank can effectively control credit risk, and at the same time, improve efficiency of the approval process. The result of this study shall provide the banks and its lending personals an alternative to their credit evaluation process. It is believed that by applying such method, the banks can lower the probability of default of credits and improve lending efficiency and quality to enhance the banks’ risk management quality.
    Appears in Collections:[國際企業學系暨研究所] 學位論文

    Files in This Item:

    File SizeFormat

    All items in 機構典藏 are protected by copyright, with all rights reserved.

    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library & TKU Library IR teams. Copyright ©   - Feedback