The study on the factors of non-performing loans of small and medium enterprises – An example of the Small and Medium Enterprise Credit Guarantee Fund

• Main Authors: YEH TSUNG JU, 葉宗儒
• Other Authors: 陳穎峰 林豪傑
• Format: Others
• Language: zh-TW
• Published: 2007
• Online Access: http://ndltd.ncl.edu.tw/handle/40600064873615186710

碩士 === 樹德科技大學 === 金融保險研究所 === 95 === The study on the factors of non-performing loans of small and medium enterprises – An example of the Small and Medium Enterprise Credit Guarantee Fund Abstract The amount of defaulting guarantee and compensatory of the Small and Medium Enterprise Credit Guarantee Fund (SMEG) has increased these years. To understand the defaulting situation of SMEG’s customers, I try to find out the variables that affect default and regard them as the future points to reduce the defaulting guarantee by collecting companies’ forms, types, scales-capital, ages, last average ratio of liability, focused percent of sale, last income, loan amount, owners’ educational level, owners’ sex and owners’ experience. The research appears that last average ratio of liability, focused percent of sale, last income, owners’ sex and owners’ experience have obvious influences. Last average ratio of liability, focused percent of sale, last income and owners’ sex belong to positive relations; only owners’ experience belongs to the negative relation. The most dangerous enterprises adding their basic characteristic as follows: 1. The forms of companies belong to single ventured and limited ones. 2. Enterprises of the owners whose educational levels are senior high school and colleges. 3. Enterprises of the owners whose sex is male. 4. Enterprises that have high ratio liability. 5. Enterprises that have high focused percent sale. 6. Enterprises that have high income. 7. Enterprises of the owners who have less experience. Key words: small and medium enterprises, credit guarantee, default, non-performing loans, Logistic regression model