| Summary: | 碩士 === 國立高雄應用科技大學 === 商務經營研究所 === 96 === In recent years over put the ratio to create new high, the financial storm to emerge one after another incessantly repeatedly, causes various banks faced with quite considerably to give the letter risk. Therefore, the new bank opens privately operated creates the competition circumstance the fierce change, whether obviously to attack the guarantee and the credit case, large-scale and the small company gives the letter behavior, is becomes this research main discussion key. Financial organ financing gives the letter emphasis security, the fluidity and the rentability, under the present domestic booming murky prospect, how to strengthen the small and medium-sized enterprise itself competitive power, and provides in promptly small and medium-sized enterprise transport business the essential fund, is the urgent matter. But in over puts the ratio and over puts the amount to create under unceasingly new high, the financial organ gives to small and medium-sized enterprise financing the letter policy tends to gradually is conservative, how to strengthen to small and medium-sized enterprise financing gives the letter, is worth the government and the field thinks deeply the topic. This research real diagnosis result discovered that when does not consider other factors, the pattern VII credit comments and on patterns is the optimization model. In this pattern “person in charge remaining sum”, “spouse remaining sum”, “recent 12 month earning” for influence enterprise financing loan quality quality primary factor. Says accuracy of by the pattern classification, the pattern VII can make 57.0% correct forecast classification to the actual classification for the good loan borrower; Is the bad loan accuracy of borrower forecast may also achieve 57.5% regarding the actual classification, the whole total accuracy is 57.3%, therefore, this research VII takes the final credit by the pattern to comment and so on patterns, contains the variable by this pattern, the achievement verifies the borrower credit condition, to decide whether nucleus loan important key aspect.
|
|---|
