The Strategics of Credit Management for lowering Bad Debits

• Main Authors: WenHsiang Kuo, 郭文湘
• Other Authors: ChiaHsing Huang
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/98549898549565100695

碩士 === 國立高雄第一科技大學 === 金融營運所 === 91 === ABSTRACT Liberalization of financial markets caused inflation in the numbers of domestic banks. The administrators often neglect the importance of credit Quality under business pressure. Additionally the economic recession and the enormous fall in the value of real estate caused credit quality was getting worse, overdue ratio remain high, and bad debits was serious. Facing present worse situation the domestic bankers feel confident that surelyControl credit quality and to lower the excessive loans ratio as soon as possible to be current direction of endeavor. Therefore how to present 「general concern」of bad debits prevention and the strategics of credit management. According to credit analysis and investigation before loaned and the management of credit trace after loaned. Upon above mentioned three conceptions to develop the functions of credit management to lower bad debits effectively to be worthy paying attention to study subjects. So the purpose of this study is based on the practical of domestic banks’ credit management and bad debits to research the reasons which caused bad debits and influenced credit analysis to survey the specific measure bankers’ prevention. In order to present administrative strategics of lowering bad debits. Expecting to fulfill the conceptions of credit management to improve the quality and effectiveness of credit so that can lower excessive loan effectively, and develop the purpose of lowering bad debits.