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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/110989

    Title: 員工工作輪調對授信風險因素認知的影響 : 以知識慣性為中介變數
    Other Titles: Employee's job rotation effect on the perception of credit risk factors : the mediating effect of knowledge inertia
    Authors: 陳彥雯;Chan, Yen-Wen
    Contributors: 淡江大學企業管理學系碩士在職專班
    黃曼琴;Huang, Man-Chin
    Keywords: 消費性貸款;授信風險因素;工作輪調;知識慣性;Consumer loans;Credit risk factors;Job Rotation;Knowledge inertia
    Date: 2016
    Issue Date: 2017-08-24 23:41:05 (UTC+8)
    Abstract: 消費者貸款因利差較高、具高收益性,且產品多樣化,目前已成為各銀行主力發展業務,加上現代個人消費需求增加,消費性貸款餘額逐年增加。放款案件之良窳對於銀行的收益具有相當大的影響,故放款人員對於授信風險因素的認知相對之重要。
    Consumer loans are high interest rate, high profitability and diverse products. It has become the main business development in the bank. Due to the individual consumption demand increase, the consumer loans also increase years by years. Because quality controlling of loan have a huge impact for bank’s earning, so it is important that bank lending staffs have known the credit risk factor.
    The research purpose that if the job rotation and knowledge inertia will be influence the credit risk factors or not. The investigation of domestic bank lending staff been analyzed by questionnaire. The research results are the following:
    1、Bank lending staff has positive perception of job rotation.
    2、Bank lending staff”s perception of job rotation have positive impact effect to the importance of credit risk factors perception.
    3、Bank lending staff with the more experience inertia, the more importance of credit risk factors perception they have.
    4、Bank lending staff”s knowledge inertia does mediate the relation between staff”s perception of job rotation and the importance of credit risk factors.
    5、Different position lever of bank lending staff have different importance of credit risk factors perception.
    Appears in Collections:[企業管理學系暨研究所] 學位論文

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