以Delphi法探究銀行業評量中小企業
授信風險的指標

中小企業是台灣經濟發展重要的動力，在台灣經濟發展過程中，一直扮演堅若磐石之角色，長久以來為台灣創造了無與倫比的經濟奇蹟，造就了「台灣錢，淹腳目」的美譽。然而，中小企業規模小、企業本身財務不夠透明，管理制度不健全，欠缺財務規劃能力等，外加中小企業之生命週期及營運績效易受外在環境因素之影響而呈巨幅變動，銀行對其授信風險相形提升。又隨兩岸金融MOU的簽訂及未來兩岸經濟合作架構協議（ECFA）的協商簽署，全球金融自由化及國際化的潮流，政府各項金融政策的開放，金融機構家數大幅增加，銀行經營面臨重重的危機與考驗，在金融風暴的陰霾及中小企業授信業務競爭更形激烈下，銀行在利差縮減及授信風險上升的情況，如何評估建構一個較完整的評估企業授信風險指標，並將現今評估企業授信風險不足部分補強，促使授信品質提升及降低逾放比率。本研究主題為「以Delphi法探究銀行業評量中小企業授信風險的指標」，目的透過「瞭解銀行業面對中小企業授信的過程中，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。

關鍵字

中小企業；授信風險；逾放比率；德爾菲法

並列摘要

SMEs are important to Taiwan's economic development dynamics, in the course of Taiwan's economic development has been the role played rock-solid, long been Taiwan's economic miracle created a unique, created a "Taiwan money, ankle-deep" in the world. However, SMEs small, shallow markets, corporate finance their own lack of transparency, management systems, and lack of financial planning capabilities, plus the life cycle of SMEs and business performance vulnerable to the effects of external environmental factors were huge changes banks dwarf the upgrade of its credit risk. Also the signing of MOU with the two sides and the future financial straits economic cooperation framework agreement (ECFA) negotiations to sign the global financial liberalization and internationalization of the tide of the financial policy of open government, a substantial increase in the number of financial institutions, banks face numerous crises and challenges, in the shadow of financial turmoil and the SME credit business even more intense competition, banks and credit spreads reduced the risk of rising, how to assess construct a more complete assessment of corporate credit risk indicators, and now lack of corporate credit risk assessment of some reinforcement to promote higher quality and lower the overdue loan ratio. The theme of this study, the "Delphi method to explore the banking sector SME credit risk assessment indicators", purpose, hope to "understand the banking sector SME 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.

並列關鍵字

SMEs ； credit risk ； overdue loan ratio ； Delphi method

參考文獻

1.江淑玲、林麗容 ( 2006 )。我國中小企業盈餘管理行為之探索性研究－德爾菲法之應用。東吳經濟商學學報，第五十七期，p79-109。

17.陳逸文 ( 2000 ) 。銀行授信之風險管理。台灣金融財務季刊。第一輯第一期，p87-97。

2.Dalkey, N. and O. Helmer (1963) , “ An Experimental Application of the Delphi Method to the Use of Experts.”Management Science, 9, No.3 , pp.458-67

3.Delbecq, A. L., Van de Ven, A. H. & Gustafson, D. H. (1975) . Group Techniques for program planning: A Guide to Nominal Group and Delphi processes. U. S.:Scott, Foresman and Company.

4.Hill, K. O. & Fowles, J. (1975) . The methodological worth of the Delphi forecnning technique . Technological Forecasting and Social Change, 7, pp.179-192.

國際替代計量

以Delphi法探究銀行業評量中小企業授信風險的指標

未授權

主題瀏覽