Discussion on the Relationship between Credit Managers' Capability and Bank Credit Conditions

• Main Authors: Yang,Ching-Mei, 楊靜美
• Other Authors: Liu,Chih-Liang
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/wu68q8

碩士 === 國立雲林科技大學 === 財務金融系 === 106 === This study used the Taiwan Economic Daily database to collect non-financial institutions listed in Taiwan from 2006 to 2014. The financial industry with different industry characteristics was excluded. After deleting the missing values, the company's managerial capabilities and bank credit conditions were discussed. Relevance, and establish three hypotheses for relevant empirical analysis. Therefore, the purpose of this study is to explore whether the company's managerial ability and bank credit conditions are related; when the company's managerial ability is stronger, the lower the credit rate obtained by the bank, the higher the amount and the less collateral provided. . From the empirical results of this paper, it is found that the domestic loan contract does play a very important role in addition to the price factor - interest rate, non-price factor - quota and collateral, and conveys some important messages when the borrower has not completed the investment plan. If the funds are obtained from the bank, they will be willing to provide collateral of different value. The bank will regard the collateral as a signal to infer its operating conditions and determine a reasonable interest rate level and quota. Therefore, those who have strong business conditions will be given credit conditions with lower interest rates, higher quotas and less collateral; and those with weaker operating conditions will obtain higher credit rates, less quotas and more credit conditions. The managerial ability of the credit card is closely related to the credit conditions of the bank.