銀行對建築業融資授信決策之研究

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Please use this identifier to cite or link to this item: https://irlib.pccu.edu.tw/handle/987654321/20212

Title:	銀行對建築業融資授信決策之研究
Authors:	高永昌
Contributors:	國際企管管理研究所碩士在職專班
Keywords:	授信決策建築業決策實驗室法
Date:	2010
Issue Date:	2011-11-07 12:53:05 (UTC+8)
Abstract:	本研究為銀行對建築業授信評估關鍵因子之研究，評估授信因子之架構，首先透過文獻分析，彙整定義評估授信因子，再經由專家問卷確定因子指標，並使用DEMATEL法，分析各項評估授信因子之間的因果關係與相對權重，建立一套具體的風險評估模式，以提供銀行作為參考。研究結果發現「建案區域環境」、「政府相關政策」、「建案規劃特性」為影響銀行對建築業授信評估相對重要原因度指標；此外，「建商償還能力與財務結構」、「建商組織型態與規模」、「建商與銀行往來情況」可視為銀行對建築業之授信評估之相對重要的中心度指標。因此，建議銀行對建築業之授信應對「建案區域特性」評估因子加以重視。此外，「政府相關政策」係透過及時因應政府相關政策及模式的建立，配合政府部門相關政策如內政部之土地政策及土地使用限制，及金管會發布之授信管制等政策，規劃並修訂授信策略，以期達到規避授信風險。 This study focuses on bank credit assessment on the construction industry of the key factors. Assessment of the structure of credit factors, first of all through literature analysis, assessment of risk factors defined pooled, and then determine the factor indicators through expert questionnaire, and DEMATEL was used to analyze the assessment of a causal relationship between risk factors and the relative weights to build up a set of specific Risk assessment model to provide the bank as a reference. The results found that "regional environment of buildings"," governmentpolicy ", and "planned characteristics of buildings" are all-important indicators when Bank assess the credit of construction industry. In addition, the "ability to repay construction companies and financial structure ", "building types and scales of business organizations ", "relationships with correspondent Bank "can be considered as mean-important factors when Bank assess the credit of construction industry. Therefore, this ttudy suggested that Bank should pay high level attention to "regional environment of buildings" when assess loans to building contractors. Besides, bank should plan and revise its loan policy by reacting and establishing new models in time according to government policies, such as The Land Policy and The Land Use Restrictions made by Ministry of Interior; The Credit Control Policy made by Ministry of Finance, in order to avoid the risks of loan.
Appears in Collections:	[Department of Business Administration & Graduate Institute of International Business Administration ] Thesis

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