企業規模、議價能力與銀行短期授信利率決策之研究－以C銀行為例

A Research on Enterprises Size,Bargaining Power and Short-Term Commercial Bank Credit Interest Rate Decision--A Case Study on Bank C

鄭明益(Ming-Yi Cheng)

指導教授 ： 林志鴻 ； 賴錦璋

淡江大學/商管學院/國際企業學系碩士在職專班/碩士(2014年)

https://doi.org/10.6846/TKU.2014.01239

摘要

銀行跟一般企業相同，均在追求獲利成長，而銀行獲利主要來自存放款利差及手續費收入，大體而言，大型企業尤其是公開發行公司因所需資金較鉅且財務資訊較透明，銀行願意以較低的利率價格爭取承作，因此大型企業的利率議價能力相對較高，而中小企業由於相關資訊較不透明，銀行較難對廠商進行正確評價，故授信風險較難掌握，致在貸放金額較小導致銀行作業成本及信用風險相對較高情形，使得中小企業授信利率通常高於大型企業，且利率的高低由銀行決定。

本研究以C銀行作為個案研究對象，以Lin and Pao (2004)之理論架構，探討個案公司在現今的競爭環境下，為有效提高授信獲利率，在企業金融短期授信利率訂價採行哪些策略，及其策略之執行成果，進而檢視C銀行授信利率策略是否有修正之必要，並提出檢討與建議。透過檢視C銀行於所處內、外在環境中所擁有之資源及限制後，本研究認為C銀行在成為台灣地區企業授信業務獲利率第一之銀行的目標下，採用「對大型企業提高授信利率及對中小企業增加放款比重」的策略，藉由內部的專業與職能分工，並強化同質競爭廠商的異業結盟及配合政府政策拓展業務，是可以達成企業使命的，也是增加獲利率的最佳策略，所以C銀行適合依據企業之議價能力進行授信利率的差別訂價。

關鍵字

企業規模 ； 議價能力 ； 短期授信利率

並列摘要

Banks with the same general business, both in the pursuit of profitable growth, and profitability of the bank deposit and loan spreads primarily from fee income and, generally speaking, large enterprises, especially because of a public company over the huge funds required financial information more transparent and , banks are willing to lower interest rates to fight Cheng made, so the bargaining power of large enterprises is relatively high interest rates, while the SMEs are not transparent because the relevant information representing, banks properly evaluate difficult for manufacturers, it is difficult to grasp the credit risk, causing lending small amounts of lead in the relatively high cost of bank operations and credit risk situations, making SME credit interest rates are usually higher than large enterprises, and the level of interest rates determined by the Bank.

In this study, C Bank as a case study to Lin and Pao (2004) theoretical framework to discuss the case company in today's competitive environment, in order to effectively improve the credit for interest rates, the interest rate on corporate finance short-term credit pricing which adopted strategy and its implementation strategy outcomes, and thus view the C bank credit interest rate policy has corrected if necessary, and make the review and recommendations. View C through banks in which, after the external environment, resources and limitations owned, this study suggests that C Bank in Taiwan enterprises to become eligible for the credit business of the bank's target interest rate under the first, using the "large-scale enterprises to improve Credit interest rates and increased lending to SMEs proportion "strategy, through internal expertise and division of functions and strengthen the homogeneity of competitors and cross-industry alliance to expand their business with the government policy, corporate mission is to be reached, but also increase profitability The best strategy, it is suitable for C Bank carried out according to the bargaining power of enterprise credit interest rate pricing differenc.

並列關鍵字

Research on Enterprises Size ； Bargaining Power ； Short-Term Loan Interest Rates

參考文獻

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