A Study of Upstream and Downstream Supply Chain Business on Their Intention to Apply for Oline Financial Loan - The Case of Wu Ku Industrial District

• Main Authors: Chih-chien Chang, 張志堅
• Other Authors: Ming-yih Yeh
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/50320236583127962400

碩士 === 國立臺灣科技大學 === 企業管理系 === 100 === There are 1.2 million small and medium enterprises (SMEs) which account for 97.91% of all enterprises in Taiwan. They play important roles in the productivity and job creation for nation’s economy. Approximate 78% of the enterprises seek working capital through bank financing. However, due to highly insufficient credit information and imperfect accounting system and banks’ limited ability to assess credit risks for lending, that majority of the small and medium enterprises could not secure desired capital funding they need though the banks. The banking industry needs to be able to lend out working capital for SMEs to be competitive, and at the same time the banks need to establish control of the capital funding that it lends out to reduce the risk of potential loss. To balance lending practice and sound risk control, most banks started to offer streamline online financing for SMEs and their upstream and downstream supply chain operations. Based on previous studies, there was an example of a bank using electronic supply chain cash flow performance evaluation and performance indicators to apply risk analysis models that bank used to research financing factors, the streamline process of online financing for upstream and downstream supply chain business finance. And based on customer’s intended use and utilization of online financing, there is a need for additional input from customer’s point of view to be explored. In the studies using questionnaire method, an example from the factories of Wu Ku Industrial District for technology acceptance model (TAM), this study based on perceived variables to explore the impact on ease of use, risk and intend of fund allocation for upstream and downstream supply chain online financing for the enterprises. Also, this study includes the relationship between institutional banks and customer’s current primary bank and how it affects the use of funding within its business. And the results showed as follows: 1.When enterprises (SME’s) apply online financing with perceived ease of use, the usefulness will be higher, also at higher cognitive level. And with ease of use resulting perceived lower risk at level for SME’s understanding of its risk taking on such financing. Therefore combine all three: ease of use, usefulness and risk analysis result in higher utilization of online financing. 2.SME's to establish relationship with institutional bank will be higher by mutual trust with bank financing. Also institutional bank will become SME’s primary bank. 3.Institutional bank and SME’s current primary bank failed to promote and improve its intended use for online financing. 4.The marketing program needs to revamp to help improve the intended use of online financing.