探討銀行放款之因素分析-以國泰世華銀行為例

Exploring the critical factor of lending business- A case study of Cathay United Bank

施志強(Chih-Chiang Shih)

指導教授 ： 孫嘉祈

淡江大學/商管學院/國際行銷碩士在職專班/碩士(2015年)

https://doi.org/10.6846/TKU.2015.00695

摘要

本研究探討銀行放款之因素分析與其銀行端之因應策略，銀行放款之因素分析乃是探討銀行在承作中小企業放款時所需考量的因素及其因素之重要性，並說明銀行放款的因素和目前中小企業放款市場的現況，和國泰世華銀行為因應承作中小企業放款時所擬定之因應策略。

擬定銀行承作中小企業放款時因應策略，分析影響銀行放款因應策略有哪些因素，得到影響銀行放款的因素，分別是還款財源因素、借款戶因素、債權保障因素、資金用途因素和借款戶展望因素，本研究應用「決策試驗與實驗室評估法」(DEMATEL)對影響銀行放款的因素進行分析，由「決策試驗與實驗室評估法」(DEMATEL)的淨影響得到引領者(Dispatcher)和接收者(Receiver)的實證結果。

實證結果得到引領者(Dispatcher)和接收者(Receiver)，引領者(Dispatcher)是影響銀行放款的主要因素，接收者(Receiver)是銀行放款因應策略的被影響因素，而引領者(Dispatcher)有還款財源因素、借款戶因素與債權保障因素，接收者(Receiver)有資金用途因素和借款戶展望因素，因引領者(Dispatcher) 是影響銀行放款的主要因素，因此以款財源因素、借款戶因素、債權保障因素來對銀行放款分析並提出對銀行放款之因應策略。

關鍵字

銀行放款 ； 決策試驗與實驗室評估法

並列摘要

This study investigated the coping strategies of factor analysis lending business side of its banks, factor analysis but the importance of bank lending factors and factors required for consideration of the bank at the time of commitment for SME lending discussion, and explain the factors and current bank lending status of SME lending market, because time and Cathay United Bank for SME lending commitments to cope with the preparation of the strategy should be.

In response to the formulation of strategies for SME lending bank commitments, Influence of bank lending in response to the policy which factors, factors affecting business lending obtain, financial resources are factors repayment, the borrower households factors, creditor protection factor, the use of funds and borrowing households factors prospects of factors, In this study, Decision Making Trial and Evaluation Laboratory (DEMATEL) factors affecting business lending were analyzed by the net effect of Decision Making Trial and Evaluation Laboratory(DEMATEL) has been the dispatcher and receiver empirical results.

The empirical results obtained dispatcher and the receiver, dispatcher are the main factors affecting business lending, the receiver is a bank loan coping strategies are factors, the dispatcher repayment financial resources factors, household borrowing and debt protection factor of factors, Receiver funds use factors and household borrowing outlook factors, Because the dispatcher are the main factors affecting business lending, financial resources and therefore the money factor, factor households borrowing, debt protection factors to analyze and make business lending due shall be the policy of the business lending.

並列關鍵字

Lending Business ； Decision Making Trial and Evaluation Laboratory (DEMATEL)

參考文獻

38. 吳姿瑩，2010年7月，「銀行徵授信人員信任程度及會計知識對財務資訊判斷差異之研究」，私立淡江大學會計學系碩士在職專班碩士論文。

17. 劉永智，2013年7月，「電梯零組件進口限制認知與因應策略：以Y公司為例」，私立淡江大學國際商學在職專班碩士論文。

2. 張宏億，2011年7月，「不同市場情況下公司規模對銀行放款之影響 」，私立樹德科技大學碩士論文。

48. 楊景涵，2010年7月，「以層級分析法對銀行企業金融授信貸後管理早期預警指標評估之研究－以臺灣中部地區銀行為例」，私立朝陽科技大學企業管理系碩士班碩士論文。

33. 吳涵雯，2001年7月，「景氣變動對營運資金管理之影響及相關議題之研究 」，國立成功大學會計學系碩博士班碩士論文。