The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association
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 ar...
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ndltd-TW-097NTTI51630142019-09-24T03:34:01Z http://ndltd.ncl.edu.tw/handle/rc45t3 The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association 農會信用部逾期放款與經營管理之關係 Yu-Ting Chu 朱郁婷 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. Chin-Ren Wang 王親仁 2009 學位論文 ; thesis 82 zh-TW |
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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.
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author2 |
Chin-Ren Wang |
author_facet |
Chin-Ren Wang Yu-Ting Chu 朱郁婷 |
author |
Yu-Ting Chu 朱郁婷 |
spellingShingle |
Yu-Ting Chu 朱郁婷 The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association |
author_sort |
Yu-Ting Chu |
title |
The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association |
title_short |
The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association |
title_full |
The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association |
title_fullStr |
The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association |
title_full_unstemmed |
The Relationship between Overdue Loan and Operational Management in the Credit Department of Farmers’ Association |
title_sort |
relationship between overdue loan and operational management in the credit department of farmers’ association |
publishDate |
2009 |
url |
http://ndltd.ncl.edu.tw/handle/rc45t3 |
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