The Factors in Predicting the Corporate Default on the Loans with a Business Bank as an example

• Main Authors: Chung-Chiung Yang, 楊忠雄
• Other Authors: 柯冠成
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/94863164749064962227

碩士 === 國立暨南國際大學 === 財務金融學系 === 102 === Due to the fierce competition of the abundant financial institutions in recent years, the business environment is becoming more and more difficult, therefore, the most important topic for the banking sectors is how to improve the credit quality, reduce the overdue ratio and bad debt.This research is on the basic of the bank’s empirical analysis of the enterprises’ credit cases, since the establishment of early warning system, the bank has obtained 547 copies of related information, and through logistic regression mode of the empirical analysis to make up the variable occurrence of early warning factors and the dependency of whether to recover the compensation or not. Thus, the quantitative method of analysis can be established.By the results of this study we found that: the warning factors that the commercial bank fits into early warning mechanism of enterprise credit door are as follows: 1.pay no interests exceed 5 days and non-litigation case. 2. The corporation fund case in line with the interim management report condition.3. Guarantee or not are totally three variables and has a considerable explanation ability for recovery.The result shows that the research result can be an important reference for bank early warning mechanism establishment during the time that domestic bank strengthens the control of credit quality.