A Study on the Effect of BASELⅡon Banks' Lending Strategy - with F Bank as an Example

• Main Authors: CHEN CHUNG KUANG, 陳重光
• Other Authors: Goo,Yeong-Jia
• Format: Others
• Language: zh-TW
• Published: 2006
• Online Access: http://ndltd.ncl.edu.tw/handle/85989902085751761570

碩士 === 國立臺北大學 === 企業管理學系 === 94 === The New Basel Accord had been finaled in 2004, Bank for International Settlements decided to carry it out in 2006. We will bring the Accord into effect on December 31, 2006. And the financial institutions have beginning prepared how to deal with the new Basel Accord. The research focuses on how the New Basel Accord influences corporate financing. The New Basel Capital Accord had been finaled in 2004, Bank for International Settlements decided to carry it out in 2006. We will bring the Accord into effect on December 31, 2006. And the financial institutions have beginning prepared how to deal with the new Basel Accord. The research focuses on how the New Basel Capital Accord influences corporate financing. According to our study, we provide some conclusions and suggestions: 1. Government and Supervision: (1) They should formulate the bylaw in order to minimum operation risks of financial institutions. (2) Directorial institute ought to erect interior credit databases for being unitary indicator. 2. The financial institutions: (1) Banks should focus on investment and cash management when increasing sales and revenues. (2) Financial institutions having more or equal to 100 branches may adapt the Internal Rating Based approach (IRB). Otherwise, consider the Standard approach first. 3. Small and Medium Enterprises loan：Government had regulated enterprise financing risk weights at 75%, and it helps to improve the inconvenience of financing.