銀行徵信作業對授信債權確保、品質提升與成長重要性之探討

A Study of Bank's Credit Operations, Credit Business and Its Grows

謝憲昭(Shiann-Jan Shieh) ； 李南賢(Nan-Shien Lee)

《華人經濟研究》 8卷1期 (2010/03) Pp. 129-148

https://doi.org/10.30065/JCER.201003.0006

摘要

銀行徵信作業與授信業務類似一種的兩面；銀行冀望健全授信與提升債權品質，則非有務實而完整涵蓋的徵信資料及作詳實分析不可。因之，徵信作業就是為完成授信業務，尤其是授信審核的步驟及手段。
徵信作業是一面非常務實、詳實的資料分析鏡。它的重點，在求真、求實，也因會讓不良信用者無所遮掩與無所遁形。另一方面，好的個人戶或企業法人戶的扎實信用，以及其擁有的雄厚的資力或遠大的前瞻性、未來性，大概均可從微信調查資料及調查工作中發掘。
徵信作業很重要的是，要授信戶提供基本資料。基本資料包含企業或個人最基本的授信申請資料表；如為企業戶則應提供企業的沿革背景及財務資料等有關重要資料表作分析、評估與記錄。
總之，在編製徵信報告時，徵信人員基本上應該充分注視如下事項：
1.以客觀負責的立場去完成徵信作業，切不可存有不實、欠缺誠信、正義之判斷。
2.徵信報告代表可否授信的一面鏡子。從這徵信報告的資料中，即可顯現出此申請授信戶授信可否的依據；易言之，即可從此資料中明白顯現準駁之依據。
3.最重要的要顯現授信申請戶之五P情形。易言之，徵信資料即是要作充分表達、顯示真實性。

關鍵字

徵信作業 ； 投信業務 ； 內部控制 ； 逾期放款

並列摘要

Bank's credit operations and credit business are similarly one body's two sides; banks are aimed to improve the credit business and upgrade the quality of creditors right, therefore they must have a practical and complete information and detailed analysis of operation procedure.
Consequently, credit operation is required to complete the credit business and the credit review of the steps and tools as well Credit assignment is a very practical side, just like a detailed data analysis mirror. It mainly focuses, in truth and reality, but also because of bad credit which makes nothing to shelter and unscrupulous practices. On the other hand, a good person household or corporate person households of the solid credit, as well as its own strong strength or power of far-reaching vision, the future nature of survey data is probably available from the credit the work of excavation and investigation.
Credit operation is very important thing is to provide basic information on household credit. Containing basic information, including the most basic business or personal credit application data sheet; households should be provided for enterprises, such as the evolution of business background and financial information and other important information related to the table for analysis, evaluation and recording.
Furthermore, in the preparation of credit reports, credit officers should be fully followed essentially the following:
1. In order to accomplish an objective position is responsible for credit operations, there must not be untrue, the lack of honesty, justice judgments.
2. Credit report represents the possibility of the mirror. Credit report from the information provided in this application enables to create the basis for the possibility of credit household credit; In short, you can see from the information revealed the quasi-split basis.
3. The most important out of credit an applicant must show the circumstances of the 5P.
In short, credit information and it must be fully expressed, indicating authenticity.

並列關鍵字

Credit Operations ； Credit Practices ； Internal Control ； Non-performing Loans