| Summary: | 碩士 === 朝陽科技大學 === 財務金融系碩士班 === 91 === ABSTRACT
In recent years, the number of new commerce banks sharply increased because of the liberalization and the globalization of the financial system, as well as the financial policies approved by the government and the effects of the discipline relieved. It makes the financial industry crush into a competitive era. In order to have an occupation in the market, banks forsake their credit principles so that the quality of credit descended. It caused the financial agencies have higher default loan rate.
This research used a perspective of asymmetric information to study the defaulters’ behavior in different areas from 1994 to 2002. Probit Models for different areas were established and estimated by the Maximum Likelihood Method. According to the empirical results, the factors influencing excess lending in various areas were different. The numbers of guarantors, and the proportion of the amateur investment, the company’s establish time, and the collateral security were important factors for the north area model. The noissued company, new customers and deposit value were significant factors for the central area. Finally,the capital value, the loan size, and the value of deposits were important variables for the southern area.
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