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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/31985

    Title: 放款承諾是否會造成銀行過度放款?
    Other Titles: Do loan commitments cause overlending?
    Authors: 高健耀;Kao, Chien-yao
    Contributors: 淡江大學國際貿易學系國際企業學碩士班
    賴錦璋;Lai, Chin-chang
    Keywords: 放款承諾;流動性;風險認知;Loan Commitment;Liquidity;Risk Realization
    Date: 2008
    Issue Date: 2010-01-11 01:30:49 (UTC+8)
    Abstract: Thakor (2005)所發表的文章 “Do Loan Commitments Cause Overlending?”,主要是在探討銀行的放款承諾是否會造成過度放款的相關問題。然而,該篇著作所得到的結論為,當在整體經濟是處於一個經濟繁榮期時,銀行的放款承諾是會造成過度放款的問題。本文是從銀行機構的角度進行探討,故不同於Thakor (2005)所探討的經濟週期的宏觀經濟條件。而本文旨在探討當銀行對於其權益報酬風險認知的不確定性,以及運用內部及外部資金來進行銀行的放款承諾,是否也會造成銀行過度放款的問題。

    Do loan commitments cause overlending? Thakor (2005) argues that the answer is positive during economic booms. Our paper uses a micro-level economic risk realization, unlike the paper Thakor (2005) used before. Under this view, if there is real overlending, realization switched to the business cycle from the equity return risk could lead to large bank inefficiencies. The conclusion is if the bank is in a less risky state of the world, loan commitments will cause overlending. Under this view, our paper offer some suggestions to bank managers, in order to avoid the highly credit expansion and financial losses.
    Appears in Collections:[Graduate Institute & Department of International Business] Thesis

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