Under the impact of double cards in the past two years, domestic banks have tightened the business of the double cards and been stricter on the examination of credit terms such as house loans with guarantees. The focus of credit business has been switched to corporate finance from consumer finance. The credit to small/medium enterprises is the main goal. In the long past, economic policies of the government have aimed at helping small/medium enterprises in sustainable development. From the data of White Paper on Small/medium Enterprises, close to 97.8 (over 1.16 million) companies in 2005 in Taiwan were small/medium enterprises, which have been the cornerstone of macroeconomic development in Taiwan. It is an urgent job to foster professional credit personnel to meet the needs of government¡¦s policies or in the overall financial environment.
The purpose of this study is establish and develop the required knowledge, skills and qualities at work of credit personnel at banks to small/medium enterprises in order to help banks¡¦ recruitment, screening/training development, and improving/ehnahcing job performance to have the personnel make contribution to the banks. The process is literature exploration, job analysis and behaviorial interviews to establish competency structure and competency scale. Formal interviews are made with middle/high ranking supervisors at banks of different nature with over 10 years of experiences in lending to small/medium enterprises. Questionnaires are collected for statistics and analysis to develop the competency model of credit personnel. The conclusions are:
1. The required competency of credit personnel to small/medium enterprises includes product knowledge, market information,judgment,communication, activeness/aggresiveness, mofive of acheivment and establiment of relations. Banks of different nature have slightly views on the competency, which is resulted from the corporte culture, organization structure or other factors. Future researchers can focus on this.
2.For a successful credit staffer to small/medium enterprises, the most important is qualities in the competency, followed by professional knowledge. Skills are relatively less important. Judement is the most significant in the skill aspect, which is apparently different from that of common sales representatives. Future resarchers can focus on whether it has anything to do with the nature of the products sold.
Keywords : competency, credit, credit personnel, small/medium enterprises
| Identifer | oai:union.ndltd.org:NSYSU/oai:NSYSU:etd-0806107-133645 |
| Date | 06 August 2007 |
| Creators | Yu, Chung-hao |
| Contributors | David S.Shyu, H. Jason Huang, Pei-How Huang |
| Publisher | NSYSU |
| Source Sets | NSYSU Electronic Thesis and Dissertation Archive |
| Language | Cholon |
| Detected Language | English |
| Type | text |
| Format | application/pdf |
| Source | http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0806107-133645 |
| Rights | withheld, Copyright information available at source archive |
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