The Risk Evaluations Factors of Bank’s Loan to Cultural and Creative Industries

• Main Authors: Kai-Kuei Huang, 黃楷揆
• Other Authors: Fu-Ju Yang
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/92691364307907252657

碩士 === 中國文化大學 === 國際企業管理學系碩士在職專班 === 103 === From the late twentieth century on, the United Kingdom started to promote the development of cultural creative industries. Later, other countries followed the UK example to endeavor to set up a policy for these industries. Taiwan also started to push through a policy for cultural creative industries from 2002. And in 2013, in the purpose of helping improve the environment for cultural creative industries to develop, Financial Supervisory Commission R.O.C (Taiwan) proposes the plan of Funding Support for Innovation Industries Program, hoping to help the cultural creative industries grow through various financing channels. However, limited by insufficient understanding of these industries, banks are unwilling to finance the cultural creative industries, and thus hinders their developments. In order to help the cultural creative industries grow and to increase banks’ loan for them, this research will, from a bank professional’s point of view, discuss the risk evaluation key factors of bank's loan to cultural and creative industries. A total of twenty-two formal questionnaires are handed out, and among them, sixteen are collected, which include twelve questionnaires from executive positions. Then, the relative weight of each component and checking criterion are measured with fuzzy analytic network process. The result shows that, while assessing each component, their relative weight are ranked as: financial component, political factors, intangible assets, management, and future prospect. The first five components are: government subsidies, product market, brand awareness, product novelty, and certified intellectual property rights.