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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32269

    Title: 房貸授信徵審制度及不良債信處理機制之探討
    Other Titles: Housing loans credit system and bad debts handing discussion.
    Authors: 曾吳龍;Tseng, Wu-lung
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    繆震宇;Maio, Chen-yu
    Keywords: 徵審制度;不良債權;Housing loans;bad debts
    Date: 2007
    Issue Date: 2010-01-11 01:55:03 (UTC+8)
    Abstract: 我國金融機構逾期放款日益惡化,引起各界高度關切,自95年初的雙卡風暴,到95年底金管會發佈可能會引發新一波的房貸危機,銀行業界無不風聲鶴唳,原本積極承做的房貸業務,均紛紛緊縮承做,畢竟台灣的金融機構已很難再承受一次金融危機的能力。
    China''s financial institutions overdue loans is deteriorating, causing great concern, since the early 95''s double card turmoil, to the end of 95 HKMA will release may trigger a new wave of mortgage crisis, the banking industry all jittery. Originally actively undertook the mortgage business, are flocking austerity undertook, After all, Taiwan''s financial institutions have to bear a very difficult financial crisis.
    In fact, in recent years the banking industry because the market prices go up, dealing with a lot of unwinding of a long overdue loan, but the two cards turmoil arising from the lending. already eaten up the banking sector to the total annual profit this year, the Year of the business is not only the mines Unit and before the high percentage of home loans this year is the critical period.
    Banking overdue loans is unavoidable operating costs, even if more stringent credit control procedures, also face of the overall changes in environmental factors, domestic banks total amount of overdue loans to 403.8 billion yuan. how to digest the huge bad debts, the banking sector is now imperative. Open bank sales of the most common, as is the most effective and transparent management approach, but it is not the most rapid, Therefore, how to use a variety of bank bad debts approach, priorities evolve and achieve the most efficient processing mode.
    Appears in Collections:[保險學系暨研究所] 學位論文

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