商業銀行對中小企業授信評估因素與品質關係之個案研究

The Case Study of Assessing Credit Guaranty Factors of Commercial Banks on Small and Medium Enterprises

柯志騰(Chih-Teng Ke)

指導教授 ： 劉欽泉

亞洲大學/管理學院/經營管理學系碩士班/碩士(2007年)

摘要

中小企業近年來面臨國際原物料持續上漲及國內經濟成長趨緩，致使其經營環境日益艱辛。政府為了提升經濟大力扶植中小企業，鼓勵銀行對中小企業加強放款，銀行配合政府政策扮演融資重要橋樑。故銀行如何對授信品質作嚴謹把關，以防止高逾放比率的產生，銀行對中小企業授信評估因素之探討遂成為銀行重要的課題。本研究係以個案銀行之中小企業授信案件進行實證分析，取得300筆樣本資料，透過樣本交叉分析比對，從授信評估因素中找出影響授信後產生逾期放款的顯著變數，再藉由Logistic迴歸分析模式萃取影響授信品質的關鍵變數，並依其重要性排序。由本研究結果發現：1.業務來源；2.企業信用評分表有加分；3.企業負責人及配偶有雙卡循環動用；4.貸款利率；5.營授比率等五項變數對於中小企業授信評估違約風險因素有相當的解釋能力。此研究結果可作為個案銀行及徵授信人員辦理中小企業授信評估因素時之參考，以降低中小企業授信違約風險，提高授信品質，俾達到有效風險控管的效果。

關鍵字

銀行 ； 中小企業 ； 授信 ； 逾期放款 ； 授信品質

並列摘要

The small and medium enterprises have been facing a challenge which is raised by the global constantly increase cost of the raw materials and the sluggish grow of the domestic economic development. As a result, the environment of the business has been very difficult to expand as well as to grow. In order to boost the domestic economic development, the government has put into countless efforts in fostering economic growth by encouraging the banks to increase the amount of loans to the domestic small and medium enterprises. The banks play a significant role in between the government and the domestic small and medium enterprises. Therefore, it is critical important for the banks to develop a set of strict and straightforward rules and strategies in the quality of credit guaranty, in order to prevent overdue loan from happening. This research is a case study of one specific bank on their credit guaranty on the cases of small and medium enterprises. There are 300 sample data collected. Through the process of cross analysis and comparison, the researcher, therefore, obtained the significant variances that influence the ratio of overdue loan in the assessment of factors of credit guaranty cases. After that, the researcher utilized the Logistic regression analysis model to obtain the key variances that influence the quality of credit guaranty. Those key variances are organized in order with respect of their importance. The results of this research show that there are five variances that come into play in important factors in rendering into their credit guaranty. Those five variances are the sources of business, the credit ranking of the business, the owner of the business and their spouse being the regular credit card users, the business owner is the loan bearers of banks, and the ratio of the business to their credit guaranty. The results of this research can be the reference of banks and the banking lending personnel in order to prevent the violation of overdue loans. As a result, the goal of risk control can be achieved successfully.

並列關鍵字

bank ； small and medium enterprises ； credit guaranty ； overdue loan ； quality of credit guaranty

參考文獻

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a.Example of references to periodicals