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  • 學位論文

線上融資平台與傳統商業銀行企業放款徵信方法之差異-以星展(台灣)銀行及OnDeck為例

A comparative analysis of lending service between traditional banks and online lending platforms

指導教授 : 尚孝純

摘要


本論文以英文書寫,作者無提供中文摘要。

並列摘要


Deposit and lending is a fundamental function of a bank. A core competiveness of a banker is the ability of minimizing a borrower’s credit risk. In current traditional banking system, lending decision is a time-consuming process and requires a mountain of documents. However, with the advancement of information technology and the use of smart data analytics, various data could be collected from public authorities and social media and analyzed from different perspectives. The process of decision-making for credit approval has changed greatly in some online lending platforms. This study strives to answer the questions of “Why banks and online lending platforms perform differently in operation?” Areas in the size of facility, risk management and pricing quotation will be examined. The study results revealed that banks have better capability in risk management and complicated deals can be handled. On the other hand, online lending platforms have better efficiency but charge a relatively higher interest margin and facility fee.

參考文獻


BrymanA. (2012). Social Research Methods. New York: Oxford University Press Inc.
Chen, D., and Han, C. . (2012). A Comparative Study of Online P2P Lending in the USA and China. Journal of Internet Banking and Commerce .
DBS. (2017). Annual Report. Taipei: DBS Taiwan.
DBS. (2018). 中小企業星易貸. https://www.dbs.com.tw/sme-zh/dbs-forms/microloan-form.page
Karen Gordon Mills and Brayden McCathy. (2014). The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game. Harvard Business School.

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