| Summary: | 碩士 === 義守大學 === 管理科學研究所 === 88 === The business financial crisis always comes from macroeconomic environment and business operational management. When the bank process the credit assessment of listed companies, it is necessary to understand the business operational status to adjust the strategies of credit assessment under the financial crisis, the purpose is to reduce the operational risk under the uncertainty of finance. Under the financial crisis, the bank should inspect the status of listed companies to decide whether continue to support the loan to let the companies pass the financial crisis and continue to operate.
But now in Taiwan, bankers have no objective and scientific credit assessment model of the crisis listed companies. The study based on the bankers’ practical credit scoring systems and the effective variables of the financial crisis predicting model reference to construct the correct and practical financial listed company credit scoring system. Further, the study suggests the bankers some strategies under the process of credit assessment.
The study will use the factor analysis to acquire the concerned topics and items on the qualitative and quantitative variables of the listed companies under the financial crisis. In addition, fuzzy analytical process is used to obtain the specific weight of those considered items and topics. At the topics of quantitative variables, we establish the measure system of quantitative variables by fuzzy sorting method and fuzzy numbers. And at the topics of qualitative variables, we establish the measurement system of qualitative variables by fuzzy Delfi and fuzzy synthetic decision. We combined two topics of above mentioned to establish the banker’s credit assessment strategies of the listed companies under the financial crisis.
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