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

23.20.20.52，Hello！

Close
Search Quick Search Advanced Search Publication Search	Personal Service Member Login Searching History Use Bonus Card SYMSKAN
Browse Browse by University of Graduate Thesis Browse by Pinyin of Graduate Thesis Browse by Conference Proceedings Topic Browse by Conference Proceedings Publisher Browse by Pinyin of Conference Proceedings Browse by eBook Category Browse by eBook Topic Browse by eBook Publisher
Customer Services Authorize Airiti Recommend a Journal

Search Symbol (Half-width)	Description of Search Symbols
Space	"AND" indicates the intertwining of key terms used in a search
Double Quotation Marks ("") ( " " )	Double quotation marks indicate the beginning and end of a phrase, and the search will only include terms that appear in the same order of those within the quotations. Example: "image process" ： " image process "
?	Indicates a variable letter. Entering two ? will indicate two variable letters, and so on. Example: "Appl?", search results will yield apple, apply… e , appl y … ( (often used to English word searches) )
*	Indicates an unlimited number of variable letters to follow, from 1~n. Example: Enter "appl*", search results will yield apple, apples, apply, applied, application…(often used in English word searches) e , appl es , appl y , appl ied , appl ication … ( (often used to English word searches) )
AND、OR、NOT	Boolean logic combinations of key words is a skill used to expand or refine search parameters. (1) AND (1) AND: Refines search parameters (2) OR (2) OR: Expands search parameters (3) NOT: Excludes irrelevant parameters

DOI stands for Digital Object Identifier （ D igital O bject I dentifier ） ,
and is the unique identifier for objects on the internet. It can be used to create persistent link and to cite articles.

Using DOI as a persistent link

To create a persistent link, add「http://dx.doi.org/」「 http://dx.doi.org/ 」 before a DOI.
For instance, if the DOI of an article is 10.5297/ser.1201.002 , you can link persistently to the article by entering the following link in your browser: http://dx.doi.org/ 10.5297/ser.1201.002 。
The DOI link will always direct you to the most updated article page no matter how the publisher changes the document's position, avoiding errors when engaging in important research.

Cite a document with DOI

When citing references, you should also cite the DOI if the article has one. If your citation guideline does not include DOIs, you may cite the DOI link.

DOIs allow accurate citations, improve academic contents connections, and allow users to gain better experience across different platforms. Currently, there are more than 70 million DOIs registered for academic contents. If you want to understand more about DOI, please visit airiti DOI Registration （ doi.airiti.com ）。

ACI:

Data Source: Academic Citation Index (ACI)
As Taiwan's largest Citation Index, we currently have on record all Humanities, and Sociology journals that were published in Taiwan. The number of periodicals that are published on a regular basis total around 400 different types. If periodicals that were added to the collection but then halted are counted as well, the number of periodicals total over 500 types. Every year we announce the recorded periodicals' impact factor, etc. to the public, and allow scholars utilize our materials to carry out academic research for free.

Impact Factor: The statistic indicating the average number of times a journal's articles published in the past two years have been cited in the counting year.
Formula: (Number of cites in counting year to articles published in the span of two years ) ÷ (Number of articles published in the span of two years)
Example: The impact factor in 2010 (determined in 2011)
In 2009, Journal A published 15 articles, and these 15 articles were cited 20 times in 2010.
In 2008, Journal A published 16 articles, and these 16 articles were cited 30 times in 2010.
→ →2010's Impact Factor = (20+30) ÷ (15+16) = 1.61 =（20+30）÷（15+16）≒1.61

What is "Preprint"?

In order to provide readers the forefront academic information, after articles are accepted to publish in the journal, we publish them in network before they're printed. Those "on-line first articles" are called the "preprint articles". The preprint articles do not have volume No., page No., publication date, but can be identified by the DOI number. 「 http://dx.doi.org/ 」 Link to the latest version of the article.

How to cite Preprint Articles?

Please use the online publication date and the DOI number of the preprint article to cite the literature.

Cited example (may vary with different formats you cited):

Author name. Article name. Journal name. YYYY/MM/DD online publish in advance.

doi:DOI Number

Data Source

P1 - 23

Social Sciences > Economics
Social Sciences > Management

DOI： 10.6656/MR

My Subscriptions

Bibliography Management Tool

Related Links

Report an Issue

Purchase Single Articles

Download PDF

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〉

Altmetrics

〈TOP〉

E-mail ：

When an article is available to download, a notice will be sent to your mailbox address.

E-mail ：