銀行對中小企業授信風險之研究~以T銀行為例

A study on the credit Risk of the small and medium-sized Enterprise-Evidence from the T Bank

劉勝康(Sheng-Kang Liu)

指導教授 ： 劉惠玲

朝陽科技大學/管理學院/保險金融管理系/碩士(2013年)

摘要

在台灣的經濟發展中，中小企業的貢獻一向被視為功不可沒，其角色不但是產業發展的主要磐石也是重要動力，更在所有創造台灣經濟奇蹟的貢獻者中，占有舉足輕重的地位。惟受到先天條件的限制，中小企業在經營上有其弱點，其中又以營運資金不足且籌措不易問題最為嚴重。
不過，由於政府多年來對中小企業推動多項融資輔導措施，在強化其營運體質及健全財務透明度上已頗具成效，從而降低銀行授信之風險。
本研究以銀行授信作業管理觀念，配合實務經驗，期能對T銀行授信品質提升及抑制不良授信發生，使T銀行授信人員在整個授信流程中，能事先防範，擇優汰劣，落實授信管理觀念，提升T銀行獲利能力及競爭力。

關鍵字

違約因素 ； 授信決策 ； 中小企業融資

並列摘要

Taiwan''s economic development, the contribution of the industrial enterprise has always been deemed to be contributed, its role is not only the industry, the main base of Chu and an important
driving force, but also create economic development in Taiwan contributor occupation of importantposition.But is limited by
environmental conditions, industrial enterprises in the management
weaknesses, among which the working capital is not enough to set the
joint venture is not easy most serious.
However, the current government over the years for industrial enterprises to promote various financing guidance measures, strengthen the a beneficial impact on the operational quality and healthy financial transparency, and further reduce the risk of bank giving or receipt of credit.
In this seminar, giving or receipt of bank credit operations management concepts with practical experience, and look forward to helping T Bank giving or receipt of credit to enhance the quality
and control the occurrence of adverse giving or receipt of credit,
resulting in T Bank giving or receipt of credit professionals throughout the giving or receipt of creditThe process can advance
prevention, the choice of quality out low-quality implementation of the concept of giving or receipt of credit management, resulting in to enhance T Bank profitability and competitiveness.

並列關鍵字

giving or receipt of credit decisions ； inviolation of an agreement factors ； financing of industrial enterprises

參考文獻

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