A Study of Credit Management and Writing Off Bad Loans

• Main Authors: Shu-chin Chuang, 莊淑琴
• Other Authors: Fu-Hsiung Chen
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/11834409122860871898

碩士 === 國立高雄第一科技大學 === 金融營運所 === 90 === The ratio of loan overdue of financial institutions in Taiwan rose from 2.88% in 1995 to 7.48% in 2001.Loan overdue is a serious problem for the economy in Taiwan. It needs to be solved through the more vigorous writing off the bad loans. The study has compared and analyzed the two types of banks that are active or inactive in writing off bad loans. The researchers so far have found, the most vigorous method is selling non-performing loan to the asset management company (AMC). Based on the case studies of writing off bad loans, the researchers have found the following results： 1. Set special unit to deal with non-performing loan that is big in amount , as well as the complicated case. 2. Selling non-performing loan to asset the management company (AMC). 3. The reward policies have been found. 4. Its success lies in the collectors’ professional skill and knowledge, so headquarters will handle the big case. 5. The banks must check the process regularly, because the loan review is absolutely necessary after a loan has made. 6. Each branch needs to set up a goal to write off bad loans quickly.