| Summary: | 碩士 === 長榮大學 === 經營管理研究所 === 97 === In recent years, the government devoted in promoting the Asian and Pacific financial center and the asset management center examining positively each control measure, which leads Taiwan to the internationalization and the occupation of certain spaces in financial market in the whole world. In order to prevent the bankruptcy to get worse, overseas businesses have some systems to appraise the credit and liquidity abilities on credit ratings. The major function dealing with liquidity for enterprises, banks, insurance agencies, negotiable securities, mutual funds and public works, provides the independent and fair appraisal opinion. Our country’s credit culture, the environment, and credit accounts on loan behavior differ from others. Besides the keen competition among our banks of Taiwan causes the internal credit to straighten credit decision-making, which makes the different consideration with businesses overseas. How to make good use of the credit ratings and how to compete in the intense environment to maintain good service performances are worth discussing.
The major goal of this research is to measure the businesses credit quality to construct the enterprise credit from “the Japanese Financial Event Research” and “Credit Ratings on Banks of Taiwan”. To construct rating models on the visual observation of finance changes and to use Revolution Axis Law of factor analysis to get the direct finance rates are adopted to get independent variables.
This research finds five observable varies to construct rating models, from which select one or the extremely few finance rates to use multiple discriminant analysis to evaluate the rank by simple models.
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