碩士 / 輔仁大學 / 科技管理學程碩士在職專班 / 99 / As result of the severe impacts created by the 2008 US financial tsunami on the global financial market, the banking industry has become increasingly conservative in granting credits, where collaterals suffered severed devaluation because of the market situation. For the sake of minimized risk, the banking industry is now asking businesses to produce additional collaterals, which businesses find increasingly hard to produce. To deal with this, medium and small businesses may turn to Credit Guarantee Fund for a required guarantee; yet businesses of a scale beyond Standards for Identifying Medium and Small Enterprises and employing a large number of personnel, and enjoying larger outputs, operation in trouble would create impacts on a larger scale, where operational funds would need to be provided by the government.
Since March 2006, the case bank has been developing credit-granting operations to SMEs on a case-by-case-credit-assurance-fund-transfer basis for 5 years. As of late May 2011, total loan granted amounted
NT$6,000,000,000 and plus creating a total after-tax yield for over NT$200,000,000 each year. For the next 3 years, it is expected to see the program grant for more than NT$10,000,000,000 in balance to meet the economic scale.
What makes the case bank worth celebrating is, even in the worst period and recession created by the 2008 global financial tsunami; it remained with the non-performing loans ratio at below 2%. The research in reference is mainly schemed based on experiences of banking credit-granting personnel and reference literature rendered by local and international researchers based on financial status, non-financial and overall economic figures totaling 25 variables of SMEs, the representatives, spouses of the representatives for statistical analyses, where Logistic Regression are applied for the extraction of factors of credit risk impacts on SMEs. Further, difference in SMEs credit risk factors before and after the financial tsunami is also measured for timely adjustments of credit-granting policy in the case bank, where the outstanding variables extracted from the research in reference are extracted for the sake of improved quality of credit-granting, which would result in creating maximum profit for the shareholders.
| Identifer | oai:union.ndltd.org:TW/099FJU01685007 |
| Date | January 2011 |
| Creators | Lee,Chang-Feng, 李長峰 |
| Contributors | Dr. Shu-Ling Lin, 林淑玲 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 53 |
Page generated in 0.0098 seconds