面對央行降息機制下對台灣銀行業授信評估策略影響之研究

The Study on the Impact of the Credit Assessment Strategies of Banking Industry Under Central Bank Interest Rates Reduction

陳冠宇(Kuan-Yu Chen)

指導教授 ： 李樑堅 ； 黃永成

義守大學/管理學院/財務金融學系/碩士(2017年)

摘要

央行透過降息機制，讓民眾把資金從銀行存款中移出來進行投資與消費，以促進經濟發展，也降低銀行存款經營成本，但降息後不僅造成銀行業之利差降低，也造成銀行業經營壓力的提高。本研究主要探討央行降息對台灣銀行業授信評估的影響，透過相關文獻探討後，首先進行專家訪談，設計出問卷題目，並以大高雄地區銀行業為研究對象，採用便利抽樣的方式，共發放問卷200份，回收120份，有效問卷110份，有效回收率55%，在問卷回收後，以SPSS軟體進行敘述性統計分析、信效度分析、因素分析、單因子變異數分析等進行資料分析。
本研究結果顯示授信標準、授信利率、因應措施，三個構面經由因素分析後重新命名為「授信標準」、「授信利率」、「授信意願」等三個構面。而採用單因子變異數分析結果顯示，不同年齡層對「授信標準」、「授信意願」具有顯著的影響；不同年資對「授信標準」、「授信利率」、「授信意願」也具有顯著的影響。
本研究提出兩點建議:1.央行在進行調降利率的同時，也需要考慮本國公營銀行與民營銀行與外商銀行授信部門的看法是否有符合央行寬鬆的貨幣政策。2.銀行業授信部門內部可以多溝通協調，以避免因時代環境與背景的變遷所造成的認知差異，進而減少內部意見分歧。

關鍵字

央行降息 ； 授信評估 ； 授信標準 ； 授信利率 ； 授信意願

並列摘要

The central bank through the interest rate cut mechanism, so that people from the bank deposits out of investment and consumption to promote economic development, but also reduce the cost of bank deposits, but cut interest rates not only caused the decline in the banking industry, also caused the banking industry operating pressure. This paper explores the study on the impact of the credit assessment strategies of banking industry under central bank interest rates. In the case of banks in the Kaohsiung area, 200 samples were distributed and 120 questionnaires were collected and 110 valid questionnaires were valid. The recovery rate was 55%. After the questionnaire was collected, descriptive statistical analysis was performed with SPSS software, reliability analysis of questionnaire scale, single factor analysis, factor analysis and other statistical methods were used for data analysis.
After the discussion through the relevant literature, the first expert interviews and design of the questionnaire, the results show that: credit standard facets, credit interest rate facets, due to measures, through the analysis of factors after the re-named "credit standards", "credit rate ", " credit intention "and other three facets. The results of single factor analysis showed that different age groups had a significant effect on the "credit standard" and " credit intention ". Secondly, different banking categories had no significant influence on "credit standard", "credit rate" and " credit intention " And the different years have a significant impact on the "credit standard", "credit rate" and " credit intention ".
Finally, the two proposals: 1. Central bank interest rates reduction at the same time, also need to consider their own public banks and their private banks and foreign banks believe that the credit sector is consistent with the central bank loose monetary policy. 2. Bank credit sector can be more communication within the coordination, to avoid the environment and background changes caused by the cognitive differences, resulting in internal differences of opinion.

並列關鍵字

central bank interest rates reduction ； credit assessment ； credit standards ； credit rates ； credit intention

參考文獻

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