在銀行逐漸將貸款焦點從企業貸款移轉至個人信用貸款的趨勢下,個人信用貸款業務成長的同時,也為銀行業與經濟成長帶來正面效果,然而在個人授信風險業務增加之同時,也逐漸暴露出貸款者違約情形日增之嚴重問題。 本研究主題為「以德爾菲法探究銀行業評量個人授信風險的指標」,目的希望「瞭解銀行業面對個人授信的過程中,風險管控的相關議題」;邀請專家參與研究,並藉由專家訪談方式使銀行授信風險管控有更深一層之瞭解。 本研究透過資料分析與討論後,研究結果最後顯示,在個人基本評估面向平均數之中,資金用途、借款狀況、不動產狀況三者最為重要;在傳統評估面面向平均數之中,償還能力、違約風險、與他行庫之往來紀錄三者最為重要;在隱性評估面向平均數之中,借款人之學經歷、是否提供資料、當時神色三者最為重要;在經驗法則面向平均數中,借款人信用風險、借款資金用途、借款還款能力及擁有足夠償還能力四者最為重要。
As the banks focus on the loan to transfer from commercial loan to personal credit loan gradually, the banking of personal credit loan made both the banks and the economy growth to bring the effect directly. However increasing the banking of personal credit loan simultaneously, it also betrays to the critical problems what the borrower default on loan gradually. The theme of this study, the “Delphi method to explore the banking sector personal credit loan credit risk assessment indicators”, purpose, hope to “understand the banking sector personal credit loan credit process, risk management and control related issues”; invite experts to participate in the study, and by interviews by experts in the banking credit risk management and control have a deeper understanding of.