| Summary: | 碩士 === 立德大學 === 國際企業管理研究所 === 98 === ABSTRACT
In light of the fact that small and mid-sized enterprises (SMBs) are leaning
toward conservatism after the financial storm, this study aims to study the factors
that affect the appaoval of business loans from commercial banks in Taiwan. With
243 valid samples collected from a large commercial bank, the results from
hierarchical regression indicated the following:
1. The factors affecting SMEs’ loan approval include loan balance, collateral,
estimated value of collateral, and auditing reports.
2. While entering all variables in a multiple regression, estimated value of
collateral, auditing reports and operation conditions yielded significant
relationships in prediting loan approval.
Conclusions and recommendations were also discussed based on the results.
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