碩士 / 國立高雄第一科技大學 / 財務管理所 / 90 / After joining WTO the local monetary market removed all protection barrier, local banks confronted keen competition between themselves and international banks. Due to recession of local investment, factories ran abroad, acute increase of unemployment ratio, financial institution should make use of hi-tec, applying a new loan accessment mode in order to minimize risks, cut down our dues so as to make better profit.
Banks are fond of personal housing loans as the main source of profit income since risks can be diversified due to large quantity in demand and small amount of each case involved.
There are different modes in accessing loans, but most of the borrowers personal information required by the bank’ are limited to:
Education, age, career, marital status, annual income, sex and the relationship between borrower and guarantor ect… they seldom asked for the pledged value, estimated value of the fixed assets pledged to the bank in highest limitation loan, the overall credit lines, outsanding loans in other banks, credit information of the client etc. For further studies towards credit analysis and accessment modes. This is the main purpose of our statement aimed at.
We have collected 6 branchs of a commercial bank in Kaohsiung and Ping Tung district, 204 items of the normal and overdue long/medium term personal loan accounts, 16 variable items, applying LR mode in overall analysis in order to establish a final and efficient housing loan accessment mode, our findings are as follows:
（1） Loan officers of the financial institution should obtain clients continuous income figure to acertain the re-payment sources are realistic.
（2） Through the semi-governmental joint credit information center, bank obtains borrower’s credit lines, loan balances and checking credit information in all other banks at time of applying loans thus able to acertain borrower’s total debts, checking record and other credit information assisting to determine whether borrower is over-loaned thus exposed in the hidden risks of unable to pay interest and re-payment of principal amount.
| Identifer | oai:union.ndltd.org:TW/090NKIT5305028 |
| Date | January 2002 |
| Creators | Jinn-Tsair Chen, 陳進財 |
| Contributors | Jian-Hsin Chou, 周 建 新 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 75 |
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