The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association

• Main Authors: Yu-Ting Chu, 朱郁婷
• Other Authors: Chin-Ren Wang
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/rc45t3

碩士 === 臺中技術學院 === 事業經營研究所 === 97 === Using 2001 to 2008 different district and a questionnaire survey data, this empirical study analyzes the trend and factors which affect the Overdue Loan Ratio (OLR) of the Credit Department of Farmers’ Association(CDFA) in Taiwan. The conclusions of this study are: 1. The OLR reveals extremely significant difference among regions. The OLR in Zhanghua, Tainan, Gaoxiong, and Bingdong are obviously high; But OLR in Taitung, Yilan, and Hualian are extremely low. 2. Increasing the loan to associations’ members may lead the rise of the OLR, while increasing the loan to non-members and supporting members may lower the OLR. 3. Before 2004, the loan-deposit ratio was positively related to the OLR. After 2004, the loan-deposit ratio is negatively related to the OLR. 4. Different kinds of loan have differently affects on the OLR. General mortgage loan and loan for farm machinery have the remarkably negative impact on OLR. But overdraw, agricultural product mortgage loan, loan for agricultural dwelling, and internal financing have positive influence to OLR. 5. The number of financial institutions nearby CDFA will directly increase the external pressure of competition, and forces them to improve operational efficiency, and results in the decrease of OLR. 6. The re-election of general manager in CDFA may raise the probability of OLR.