碩士 / 國立臺灣科技大學 / 財務金融研究所 / 98 / 2007 Financial Crisis, every country has no exception. After the storm occurs, governments also offer policies to save the financial market, to prevent the massive bankruptcies led to the overall economy into the recession. After this Financial Crisis, the bank's manager faced the major challenges in the enterprise loans, lenders had bad performance of earning due to the business recession, but the government persuades to give enterprise a hand. In such complex circumstances, banking how to respond is an important issue.
This study investigates the influence of Financial Crisis on the bank undertaking the enterprise loans types. By collecting the loan material of various banks provided for the enterprise around the Financial Crisis, according to three type of Bank: large scale banks, middle and small scale bank and foreign bank, analyzes the changes of its choice to make to order between relationship banking contrast and transaction banking contrast. Further more, base on two construction surface of loan type, the bank and the enterprise, to analyze the influence of the Financial Crisis on enterprise loan's terms of credit .Has the enterprise which regarding the bank in accordance to the Financial Crisis adjusts to loan the type policy whether to affect it over to put the ratio by the linear regression analysis.
Analysis results show that the Financial Crisis's occurrence causes local bank to reduce the business to order the information transparency low relations to loan the contract proportion, increases the information transparency high transaction to loan the contract proportion. But the influence of foreign bank is not remarkable. After Financial Crisis, when the enterprise earning compares in June, 2006 to decline , the enterprise enhances the bank loan amount fill transport business circulating capital gap generally, the bank adopts the policy which the contraction loans to reduce loan financing specified amount and to enhance the ratio of collateral, lending rate along with government reducing the interest rate lower sharply.
| Identifer | oai:union.ndltd.org:TW/098NTUS5304039 |
| Date | January 2010 |
| Creators | Wen Ching Huang, 黃文靜 |
| Contributors | GUANG DI JHANG, 張光第 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 36 |
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