| Summary: | 碩士 === 國立暨南國際大學 === 管理學院經營管理碩士學位學程碩士在職專班 === 105 === The reason behind the problem of the credit department of the Farmers’ Association is complicated. When the degree of difficulty in operating performance becomes higher and higher, the crisis of the credit department is expanded. Facing the generation of minimal profits, we hope to understand how the credit department’s performance is evaluated, how the revenue dropped, and how to survive the crisis. This research is analyzed with grounded theory based on information gathered through interviews.
The study finds that the industry’s emphasis on financial faculties is higher than that of assets. In the main category, the industry is most concerned about the deposit ratio, followed by overdue lending rate and earnings growth rate, the third is the capital adequacy, and finally the rate of return on capital. The government is most concerned about the financial structure, followed by the management of the surface, and finally the assets of the faculty. In the main category, the most important is the internal management; followed by overdue lending ratio, earnings growth rate, return on assets, net return rate. The measure of operating performance for respondents includes the overdue rate, the capital adequacy ratio, the deposit rate, the surplus growth rate and the capital return rate.
There are eight reasons for dropping of revenue in Credit Department of Farmers’ Association: (1) Restriction of policy and laws, (2) Poor human resources efficiency because of staff capacity, staff mentality, staff size and staff configuration (3) The issue of loans includes the ability to collect credit, lack of customer base, scope of business, product size and scale of the economy. (4) Poor internal management includes, products production, budget management, personnel decision, staff relationship, resources integration, managing attitude, and internal control. (5) Operating costs of waste for the poor management of the operating efficiency. Department of the township and township farmers are adjacent to the formation of the Department of credit is too intensive. (6) Different parties in election. (7) Lack of faith from customers. (8) Implicit risk arises from the implicit loss risk of long-term investments in agricultural vaults
Risk management strategies during falling of revenue: Spreading risk, strengthen internal management, establish public impression, professional ability, goal management, personnel hiring, and resource integration.
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