銀行個人授信業務風險管理之研究－以T銀行為例

銀行授信放款，一直是銀行獲利的重要來源之一，如何有效進行徵信與風險控管，是降低授信逾放風險的重要課題。本研究以個案研究方式，針對國內在個人授信業務風險管理上表現優越的T銀行進行研究，以了解其授信評估之策略與作法，並探討改善授信品質抑制逾期放款之因應對策及風險管理政策。希望經由本文之研究，能對銀行授信業務有所幫助，讓國內的銀行業者，能藉由本研究得到助益。研究結果發現重要的管理策略包含：一、完善徵授信流程控管，授信人員依據流程完成授信案件，防止弊端。二、逾期授信預警與管理，針對逾放資金進行催討與實施預警管理，防患未然。三、掌握內、外部環境資訊，做好人員教育訓練、充實員工專業技能。

關鍵字

授信評估；授信品質管理；逾期放款

並列摘要

Loans and credit business has always been the main source of bank profits. This research conducted a case study based on interviews with credit reviewers and supervisors of a domestic bank, which has an excellent performance in this sector, to understand its main considered factors in credit evaluation. By exploring the countermeasures and risk management policies of the case company for improving the credit quality, this study intends to provide insights of the best practices in the risk management of personal credit business. Base on the results, this research has three suggestions as follows: First, banks should improve the control of credit management process, and ensure credit authors to follow the process, in order to prevent malpractice. Second, implement early warning practices to prevent urging decisions and problems in overdue situations. Third, master the internal and external environmental information, do a good job in personnel education and training, and enrich the professional skills of employees.