銀行貸款中借貸關係結構之轉變

The Change of the Structure of Relationship Lending in Bank Loan

鄭淑鴻(Shu-hong Zheng)

指導教授 ： 方世詮

朝陽科技大學/管理學院/財務金融系/碩士(2011年)

摘要

回顧古典銀行理論的研究發現銀行有了一個關鍵性的轉變，銀行的角色從一個被動的金融中介廠商與央行貨幣政策的傳導環節，一變而成為一個主動與利潤極大化的金融中介廠商，甚至是一群篩選過之借貸關係的聚合體。在這個歷史過程中，銀行的角色著實有著全然不同的外觀，本文透過對相關文獻的回顧，藉由爬梳銀行與貸款人間、銀行同業間的相關理論發展，試圖捕捉隨著時間推移，銀行角色的變化。

關鍵字

銀行往來關係 ； 關係型借貸

並列摘要

We review the theory of banking in the past 30 years or so that have advanced our understanding of why financial intermediaries exist, the relationship banking and syndicated loans market. In this historical process, the role of banks has a completely different look indeed, this article through a review of relevant literature, by relationship lending, the relevant interbank theoretical development, trying to capture change of bank in over time.

並列關鍵字

Relationship lending ； Relationship banking

參考文獻

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6. Berger, A. N. and G. F. Udell. (2002), “Small Business Credit Availability and Relationship Lending: The Importance of Bank Organizational Structure,” The Economic Journal 112, F32-F53.

7. Berger, A. N., W. S. Frame and N. H. Miller (2005), “Credit Scoring and the Availability, Price, and Risk of Small Business Credit.” Journal of Money, Credit, and Banking 37:2, pp.192-222.