銀行營業特性對逾期放款比率影響之實證研究

鄭新民

doi:10.6846/TKU.2006.00350

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銀行營業特性對逾期放款比率影響之實證研究

An Empirical Study on Affecting Non-performing Loans Ratio of Banking Business Characters

鄭新民 , Masters　　Advisor：倪衍森　　

繁體中文 DOI： 10.6846/TKU.2006.00350

逾期放款比率；迴歸分析；信用卡循環餘額； Non-performing Loans ； Regression Analysis ； Credit Card Using Revolving Credit

Abstract │ Reference (43) │ Times Cited (8) │ Altmetrics

Abstract 〈TOP〉

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The non-performing loans ratio, which represents a customer’s inability in repaying the principal and paying off interest to the bank, has been frequently referred as one of the important indexes for loan quality.  This paper is conducted in a way of quantitative analysis using data published by Taiwan Banking Industry over the past three years.  The paper is to examine the relationship between the non-performing loans ratio and important factors: capital structure of the bank, loan category, interest rate, related revenues and etc. by multiple regression analysis.  The purpose of the study is to provide bank employees reference in relation to the key factors affecting the non-performing loans ratio when making credit appraisal and loan decisions.  The empirical results of my study are as followings:
1.For the credit type (including consumer loan, small and medium enterprise loan, middle/long term loan and credit card loan), the empirical result presents that credit type has little connection with non-performing loans ratio.  As long as bank employees can follow the Five Credit Administration Principles and process the credit appraisal carefully, banks can avoid losses caused by borrowers with poor finance structure, time risk and risk driven by law of large numbers of consumer loan.  Banks can increase profits if bank employees always devote themselves to reduce the non-performing loans ratio and commit themselves to develop banking business.
2.There is no statistically significant relationship between the amount of credit card using revolving credit and non-performing loans ratio.  Banks normally assume a higher risk of credit card loan by charging customers high interest rate (approx. over 15%).  Thus, non-performing loans ratio of credit card loan tends to be higher.  Based on the empirical result of year 2004, the amount of credit card using revolving credit and non-performing loans ratio are not significantly related.  This indicates that the non-performing loans ratio of credit card loan remains in a reasonable range because banks control their credit card business effectively and successfully.

Reference ( 43 ) 〈TOP〉

14.陳家彬、江惠櫻及賴怡洵（2003），商業銀行對企業授信決策考量因素與授信品質之關係，管理評論，第22卷，第2期，頁1~23。
連結：
15.陳逸文（1998），「銀行授信之風險管理」，台灣財務金融季刊，頁17~22。
連結：
29.戴錦周、陳研研（2005），「台灣商業銀行1994〜2002年授信戶逾期放款行為之研究」，台灣金融財務季刊，第6卷，第1期，頁119~132。
連結：
2.Berger, A. N.and DeYoung, R. (1997), “Problem Loans and Cost Efficiency in Commercial Bank,”Journal of Banking and Finance. 21, pp. 849~870.
連結：
3.Bonin, J. P. and Huang, Y-P. (2001), “Dealing with Bad Loans of the Chinese Banks,” Journal of Asian Economics 12, pp. 197-214.
連結：

Times Cited (8) 〈TOP〉

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