商業銀行對企業授信決策考量因素與授信品質之關係

陳家彬; 江惠櫻; 賴怡洵

doi:10.6656/MR.2003.22.2.CHI.1

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Social Sciences > Management

DOI： 10.6656/MR

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商業銀行對企業授信決策考量因素與授信品質之關係

The Relationship between the Determinants of Commercial Banks' Lending Decisions and Loan Quality

陳家彬(Chia-Pin Chen) ；江惠櫻(Huey-Ing Chiang) ；賴怡洵(Yi-Hsin Lai)

管理評論； 22卷2期 (2003 / 04 / 01) ， P1 - 23

繁體中文 DOI： 10.6656/MR.2003.22.2.CHI.1

銀行；授信品質；逾期放款；企業授信；授信行為； Banking ； Loan Quality ； Non-performing Loans NPLs ； Commercial Loans ； Lending Behavior

Abstract │ Reference (30) │ Times Cited (26) │ Altmetrics

Abstract 〈TOP〉

Parallel Abstract 〈TOP〉

This study performs an empirical analysis of 271 business lending cases at six central Taiwan branches of a certain domestic national commercial bank. The study examines two major items the bank uses to assess loans and investigates the loan closing reports and the credit rating table of loan-receiving businesses in an effort to determine significant variables affecting loan quality.
Major research findings include: (1) The term of the loan has a negative effect on the loan quality, indicating that the longer the term of the loan, the more likely the bank is to encounter overdue payments. (2) The higher the loan rate, the more likely default will occur, which indicates that the bank's appraisal of the creditor's risk is a strong factor affecting loan quality. (3) Industry characteristics are negatively correlated with loan quality, and the higher the score, the less likelihood the creditor would fail to make on-time payments. (4) There is a significant correlation between bank branch and loan quality, indicating that certain branches are more prone to loan default. (5) There is a greater likelihood of loan default when the purpose of the loan entails payment of capital in installments. (6) There is a negative correlation between the amount of loan size and the probability of default, which is to say that the greater the loan size, the lesser the likelihood of overdue payments. (7) The overdue payment rate was significantly higher when loans are approved by the unit executives than by personnel above the level of unit executive.
Furthermore, the empirical findings of this study also indicate that many of the items the bank uses to assess loans have no significant correlation with the loan default rate. These items include corporate capital, guarantors, length of association with bank, collateral, financial health, and type of business. In this time of a persistently high bad loan rate, these findings may serve as an important reference for bank credit policies.

Reference ( 30 ) 〈TOP〉

陳家彬 Chen, Chia-Pin(1999)。台灣地區銀行基本放款利率之訂價：模型與實證 Pricing the Prime Rate of the Banks in Taiwan: Model and Empirical Evidence。臺大管理論叢 NTU Management Review，10(1)
連結：
陳家彬 Chen, Chia-Pin、賴怡洵 Lai, Yi-Hsun(2001)。臺灣地區銀行放款有無擔保之決定因素－Logit模型之實證分析 Determinants of Secured Versus Unsecured Bank Loans in Taiwan: An Empirical Analysis Using the Logit Model。管理評論 Management Review，20(1)
連結：
Berger, A. N.,Udell, G. F.(1990).Collateral, Loan Quality, and Bank Risk.Journal of Monetary Economics,25
Booth, J. R.(1992).Contract Costs, Bank Loans, and the Cross-Monitoring Hypothesis.Journal of Financial Economics,31
Diamond, D. W.(1989).Reputation Acquisition in Debt Markets.Journal of Political Economy,97

Times Cited ( 26 ) 〈TOP〉

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