我國銀行承受不動產之研究-以個案銀行桃園鑑估中心為例

The Research of Banks Taking Over The Real Estate Collateral The Court in Taiwan – A Case Study of the Interviewed Bank-Taoyuan Evaluatation Center

陳建州(chien-chou chen)

指導教授 ： 陳家祥

元智大學/管理學院/管理研究所/碩士(2009年)

摘要

最近幾年以來，由於國內經濟環境不佳及銀行業的高度競爭，使得我國金融業者在經營上面臨極大的挑戰，尤其是日益升高的授信逾放比率。
其導致於各家銀行業者，現今多面臨了嚴重的授信逾放及不良資產問題，而許多的擔保品因此遭到法院強制拍賣的命運，其中又以不動產擔保品為主。
法院拍賣一向是國內金融業者處理授信逾期放款之主要管道，而法院拍賣效率的高低，卻直接影響國內金融業者處理逾期放款之效果。但由於法院拍賣之鑑價及定價偏高現象，使法拍拍定次數及流拍比率偏高。
因此為了減少其因法院拍賣多次流標或者是拍賣價格過低，造成銀行債權損失的擴大，故銀行有時便會以不動產擔保品債權人的地位向法院來承受拍賣的不動產擔保品（本文簡稱承受不動產）。
本研究採用文獻分析法、個案研究及深度訪談法，探討包括一般不動產的特徵屬性（如土地、建物面積）及銀行於法院承受不動產專有的特徵屬性（如點交、房屋現況），進一步研究影響承受不動產評估價格的組成因素，相信可以對不動產估價技術之提昇及提供承受法拍屋實務上之支援。

關鍵字

承受不動產

並列摘要

Due to the economic recession and the high competition in banking industry in Taiwan these years, banks are facing the great challenge on business operation; especially on the increasing of Non-Performing Loan Ratio.
It leads to the fact that banks face serious excess putting and non-performing assets problems, which cause a lot of collateral to be auctioned by the court. and most of them are real estates.
Legal auction is the key channel for financial institutions to deal with the overdue loans, but the result is directly impacted by the court efficiency. The auctions always take time due to the bid price is usually higher than expected.
In order to minimize the loss,banks sometimes act as priority creditors to take over the real estate collateral auctioned by the court.
The study adopt the document analysis method ,a case study and in-depth interview to discuss the attribution both on general real estate including the land, location of the houses and the auctioned house that banks are willing to take over, like house status, court eviction order. Further more to study on the factors which impact the bid pricing decision by banks. Hope this research can provide useful information both on the price appraisal and practice support on court auction.

並列關鍵字

Taking Over The Real Estate

參考文獻

9. 邱國勳（2002），「我國不良資產處理方式之研究」，未出版碩士論文，政治大學地政學系。

4. 范麗娟（1994），「深度訪談簡介」，戶外遊憩研究。

12. 張金鶚、林秋瑾、楊宗憲(1995)，「台灣地區住宅價格指數之研究」，經建會。

3. Haurin, D.（1988）, "The Duration of Marketing Time of Residential Housing," AREUEA Journal, Vol. 16（4）: 396-410.

4. Lusht, K. M.（1996）“A Comparison of Prices Brought by English Auction and Private Negotiations,”Journal of Real Estate Economics. 24(5): 17-530.