| Summary: | 碩士 === 銘傳大學 === 管理科學研究所碩士在職專班 === 91 === In April 1990, the government (of the Republic of China) lifted the ban on the establishment of financial institutions. Sixteen banks have been set up to join the severe competition. Since the government’s financial policy has been internationalized and liberalized, local financial institutions, especially credit cooperation, are facing severer competition. To survive, credit cooperation has to put more efforts on financial and personnel management on one hand, and reorganize the company and adjust the marketing strategy on the other hand.
Throughout the interview and data analysis, The conclusions and suggestions of the Study. Credit cooperation should concentrate on their current business instead of vying for news customers. Also, guarantee should not be the only proof of the loan. Debtors’ credit and their source of payment ought to be put into concerned as well. (Abiding by the “5P” loan principles). Those aged between 31 and 50, graduated from senior high schools, might be the main target of credit cooperation’s real estate loan market.
Instead of spending five to seven times the costs and energy to look for a new customer, credit cooperation ought to try its best to keep a good one. No matter how small a credit cooperation is, it may survive as long as it runs current business well.
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