A Research on the Loan Decisions of Construction Financing

• Main Authors: Yung-Chang Kao, 高永昌
• Other Authors: Kuang-Hsun Shih
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/62354512991155838279

碩士 === 中國文化大學 === 國際企業管理研究所 === 99 === This study focuses on bank credit assessment on the construction industry of the key factors. Assessment of the structure of credit factors, first of all through literature analysis, assessment of risk factors defined pooled, and then determine the factor indi-cators through expert questionnaire, and DEMATEL was used to analyze the assessment of a causal relationship between risk factors and the relative weights to build up a set of specific Risk assessment model to provide the bank as a reference. The results found that "regional environment of buildings"," government policy ", and "planned characteristics of buildings" are all-important indicators when Bank assess the credit of construction industry. In addition, the "ability to repay construction compa-nies and financial structure ", "building types and scales of business organizations ", "relationships with correspondent Bank "can be considered as mean-important factors when Bank assess the credit of construction industry. Therefore, This study proposed that Bank should pay high level attention to "regional environment of buildings" when assess loans to building contractors. Besides, bank should plan and revise its loan policy by reacting and establishing new models in time according to government policies, such as The Land Policy and The Land Use Restrictions made by Ministry of Interior; The Credit Control Policy made by Financial Supervisory Commission, in order to avoid the risks of loan. Keywords: Loan Decisions, Construction Industry, Decision Making Trial and Evalua-tion Laboratory (DEMATEL)