財務預警資訊模式在銀行授信業務應用之研究

Financial Warning System -- an application to Banking Loan

陳志榮(CHEN CHIH-JUNG)

指導教授 ： 古思明

元智大學/資訊學院/資訊管理學系/碩士(2002年)

摘要

銀行在面臨企業快速消長及競爭日益激烈的金融環境中，如何提昇授信品質，健全經營績效及財務結構，已成為當前最重要的課題，
本研究的目的是針對銀行授信業務，研究出一套可自動審查上市、櫃公司財務惡化並發出警示的方法，以期主要可達到自動對上市、櫃公司發生財務危機的可能性作初步的判斷，作為銀行追蹤徵信及警示戶作業之參考。
實作發現在適當的警示政策條件下，本研究之方法將可以自動警示借款戶的財務惡化徵兆，且有輔助原授信作業自動化之功效，經綜合研判分析結果，證實其運用於銀行的授信業務實具有可行、必要及合理性。

關鍵字

財務預警 ； 授信業務 ； XML

並列摘要

How to improve the quality of loan, to strengthen the operating performance and financial structure have become important lessons for banking due to corporations grow and decline rapidly and environment is more competitive.
The purpose of this research is to develop a measure for loan business of banking and to be automatically examine OTC and listing companies with financial worsen problem and then spread out the alert. The measure is also be expected be another reference for banking in the business of loan tracking and alert clients to make some initialize judgments about the possibility at financial crises of OTC and listing companies.
This research is workable that could make alert automatically once the alert clients with the signal about financial worsen. It also has the function that to assist the business automation. The measure is putting to use in loan business of banking with feasibility, necessity and reasonability after integrative analyzing.

並列關鍵字

Financial Warning ； Loan ； XML

參考文獻

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[2] 簫振福，徵信作業流程與事後管理，財團法人金融人員研究訓練中心，台北，民國八十六年。

[3] 倪成彬，銀行授信實務概要，財團法人金融人員研究訓練中心，台北，民國八十八年。