中小企業授信評估模式建立之研究

A Study on the Establishment of the Credit Assessment Model for Middle and Small Business Loan Process by the Bank

李樑堅(Liang-Chien Lee) ； 張志向(Chih-Shian Chang)

《臺大管理論叢》 9卷2期 (1999/03) Pp. 69-100

https://doi.org/10.6226/NTURM1999.9.2.69

摘要

本研究乃先以因素分析法得到銀行授信人員對中小企業進行授信評估時主要考量的構面及項目；然後再經由模糊AHP法計算各類授信評估構面及項目的權重；最後將所有評估項目區分為「財務比率分析項目」及「非財務比率分析項目」，在「財務比率分析項目」方面，透過模糊數原理來建立「財務比率分析項目之分數量測系統」，而在「非財務比率分析項目」方面，則透過模糊德菲法及模糊綜合評判來建立「非財務比率分析項目之分數量測系統」，進而構建「新中小企業信用評等表」之內涵。

關鍵字

銀行 ； 中小企業 ； 信用評等表 ； 模糊AHP法 ； 模糊德菲法 ； 模糊綜合評判

並列摘要

Firstly, the study choose factor analysis to acquire the concerned topics and items on the credit rating table of middle and small business for the credit assessment staff of bank. In addition, fuzzy analytic hierarchy process is used to obtain the specific weight of those considered items and topics. The last, we classify all the evaluation items to ”financial ratio analysis items” and ”non-financial ratio analysis items”. At the topic of financial ratio analysis items, we establish the measurement system of financial ratio analysis items by fuzzy numbers. At the other topic of non-financial ratio analysis items, we establish the measurement system of non-financial ratio analysis items by fuzzy delphi method and fuzzy synthetic decision-making. Finally, we establish new credit rating table for middle and small business.

並列關鍵字

Bank ； Middle and Small Business ； Credit Rating Table ； Fuzzy Analytic Hierarchy Process ； Fuzzy Delphi Method ； Fuzzy Synthetic Decision-making.

參考文獻

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