| 摘要: | 論文名稱：銀行對中小企業授信產生逾期放款影響因素之探討 頁數：80
-以T銀行為例
校系(所)組別：淡江大學管理科學研究所企業經營碩士在職專班
畢業時間及提要別：98學年度第1學期碩士學位論文提要
研究生：劉秀美 指導教授：蔡進丁
論文提要內容：
本研究以T銀行為例，探討銀行對中小企業授信產生逾期放款影響因素。本研究透過問卷調查法，抽樣有效樣本423份，以因素分析法作為主要統計方法。主要發現：銀行對中小企業授信產生逾期放款影響因素：銀行授信管理因素、銀行授信決策因素、銀行貸放管理因素、企業經營者操守因素、企業經營及投資因素、企業經營管理因素、國內外景氣因素、房產及天災因素、政府政策因素等。銀行對改善中小企業授信逾期放款影響因素：銀行授信風險控管因素、專業人員培訓因素、銀行授信監理因素。另從人口統計變項發現對各因素構面之影響有些有顯著性差異。
關鍵字：中小企業授信、逾期放款、授信風險、因素分析
表單編號：ATRX-Q03-001-FM031-01
Title of Thesis：
The Key factors of Non-performing Loan in Banking Industry for Small & Medium Enterprises – A Case Study of T Bank
Total pages:80
Key word：SME credit, Overdue loans, Credit risk, Factor analysis
Name of Institute: Executive Master’s Program of Business Administration (EMBA) in Management Sciences , Tamkang University
Graduate date: January, 2010
Degree conferred: Master
Name of student:
Shou-mei Liu
Advisor: Ching-Ting Tsai
劉秀美
蔡進丁
Abstract:
This research aims to explore the affecting factors of Non-Performing Loans that caused by the bank credit extensions to small and medium-sized enterprises, and it takes T bank as an example. After making the questionnaire survey, this research got the effective samples 423, and with the factor analysis as the major part of statistical method. The major points from this research can be summarized as below:
The affecting factors of Non-Performing Loans that caused by the bank credit extensions to small and medium-sized enterprises include“The management of bank credit extensions＂,“The strategic decision of bank credit extensions＂,“The management over the take-down of the loans＂,“The morality of enterprise operators＂,“Business operation & investment made by enterprises＂,“Business operation & management made by enterprises＂,“Business cycle all over the world＂,“The real estate and the nature disaster＂and“The government policy＂etc.
The affecting factors of improvement of Non-Performing Loans that caused by the bank credit extensions to small and medium-sized ii
enterprises include“The risk control of bank credit extensions＂,“Training staff effectively＂and“The supervision and regulation of bank credit extensions＂. Further more, about the variables of demographic statistic to various dimensions of factors, some of them are found significant difference.
表單編號：ATRX-Q03-001-FM031-01 |
