碩士 / 國立雲林科技大學 / 財務金融系碩士班 / 101 / The study mainly investigates the operation performance of 25 credit departments of Fisherman Association during the period of 2005 to 2012. The operation indicators consist of Capital Adequacy, Asset quality, Manageability, Earning ability, Liquidity and Sensitivity to Market Risk; while eight financial ratios are employed as explanatory variables. The statistical methods adopted are descriptive statistics, sampling tests and multiple regression models.
The major findings of the study are as follows:
Through t-test and nonparametric test, it shows that net values contribute positively on all operation indicators. Specifically, large credit departments have higher deposits, loans and total revenues than small credit departments. There exists a region attribute which can significantly explain operation indicators. Specifically, the northern Credit Departments perform better than southern Credit Departments, ranging from deposits, loans, total revenues, non-policy-oriented special agricultural loans, net values, and overdue loan ratios. The Credit Department in southern region has only higher management efficiency on the policy-oriented special agricultural loans. This suggests that loan business of Credit Departments in the southern region still heavily relies on the policy-oriented special agricultural loans.
Through multiple regression models, Loans/Deposits % exhibits a positive impact on operation performance.The financial indicators of the Credit Department, which including Total Assets Turnover Ratio, Return on Equity, Loans/Deposits% and net interest margin, provide sufficient statistical explanation power on the policy-oriented special agricultural loans. Therefore, the policy-oriented special agricultural loans, under the support of government, provides lower costs of fund raising for farmers and fishermen and also upgrade and promote the transformation of industries.
According to the operation scale, the performance of the Credit Department of Fishermen Association has been greatly improved under the construction of agricultural and financial systems. The critical issues now faced by credit departments in the near future are respectively as efficient utilizing possessed resources, expanding operation scale, improving operation efficiency, and enhancing competitiveness.
| Identifer | oai:union.ndltd.org:TW/101YUNT5304017 |
| Date | January 2013 |
| Creators | Li-Wei Kuo, 郭力維 |
| Contributors | Cheng-Wei Chen, Chin-Sheng Huang, 陳政位, 黃金生 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 99 |
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