| Summary: | 碩士 === 國立彰化師範大學 === 會計學系企業高階管理 === 96 === This study investigates the differences in rates for loan
applications before and after the establishment of regional branch and from the results we may know the possible reasons to cause it. Moreover, this study compares the differences items such as total lending amount, overdue loan ratio, interests rate spread ratio, deposit/lending ratio,salaries and earnings before and after the establishment of regional centers. Finally, we compares the variety of achievements in high homogeneous of regional branch and independent branch. The observations of this study are as follows:
First, the establishment of regional centers makes credit officers to be more serious and careful regarding the loan applications.
Second, the establishment of regional centers, it takes more days for bank to examine the loan applications.
Third, after the establishment of regional centers, the total lending amounts remain about the same, the deposit/lending ratio increases, the interest rate spread decreases, and the overdue loan ratio also has a decreasing trend.
Fourth, the establishment of regional centers makes banks pay more attention on applicants’ deposit situation and whether the loan cases are send credit guarantee fund.
Fifth, the establishment of regional centers makes regional
branches share more about regional centers’ personnel costs, which reduce the earnings of regional branches.
Sixth, the elasticity of independent branch is more than regional branch, therefore, it has more achievements than regional branch.
Keywords: regional centers, bank loan, operation performance
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