Analysis on L banks’ credit assessments to small and medium enterprises

• Main Authors: Lin,Ming-Chin, 林銘欽
• Other Authors: Shu-Hua Hsiao
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/40859311153514428287

碩士 === 康寧大學 === 企業管理研究所 === 104 === The financial factors banking used to pay more attention are not all relate to risk of medium-sized and small enterprises loan. Except financial reports provided by enterprise and credit situation checking , bankers should take evaluation rules of non-financial factors and overdue factors into account while making credit granting strategy to enterprises. Facing private banks initiative and energetic competition, L bank couldn't manage credit granting business in passive attitude. Bank should contact more enterprises to understand their modes of business operation; Bank should assist those companies that without collateral to get operation capital to keep running and growing up under creditor's rights and profit secured. After all medium-sized and small enterprises are the foundation of our economic development. Bank financing plays an important role in their healthy development. And their growing up continuously is the key of national economy expanding and competitive strength improving. This study is themed with domestic banks credit granting and financing to medium-sized and small enterprises. Selecting L bank as the object of study, the study analyzes the differences of credit granting strategy considerations before as a real estate specialized bank and after transformed to a multi-faceted bank, by questionnaire survey. This study applied Factor Analysis method to collect the main consideration facets and items while bank credit grantor evaluating credit, and effective ran factor analysis of financial factors, non-financial factors and caught important factors. There are three main study results as below : 1. financial factors had a siganificantly positive effect to overdue index; 2. non-financial factors had a siganificantly positive effect to overdue index; 3. financial factors and non-financial factors will be interfere with overdue index is valid.