| Summary: | 碩士 === 開南大學 === 企業與創業管理學系 === 97 === Abstract
Since the government has opened the access of establishment of new banks from 1990s, the number of banks has increased sharply. The banking business has stepped in the competitive era. With the reasons of the fierce competition, recessional environment and the bearish stock and real estate markets, NPL and the its potential crisis have appealed more and more attention. The huge scale of NPL not only has direct impact on banks’ net value and regular operation by worsening bank’s financial assets, it also leads financial institutions to be more conservative to tighten the loans.
The problem of huge scale of NPL is like an uncertain time bomb which will explore anytime. On the one hand, it is serious enough to destroy a nation’s financial system and disable the financial policy and environment. On the other hand, the political environment will be influenced and it will create more negative impacts on national stability.
In addition to the economic recession, the inappropriate intervention of government is also a cause of worsening the financial institutions’ assets. This thesis attempts to suggest the banks which have high percentage of NPL should practically implement assets’ quality control, write off the bad loans and reduce the percentage of NPL. Besides, the thesis also discusses the measurements of NPL in financial institutions with cases to explain the methods of enforcements and solutions to the problems arisen from NPL in efficient ways. Thus, these methods can not only recover the credits of banks and consumers’ paying functions, but also help to maintain the social harmony.
In order to reduce NPL efficiently, banks should follow 5P principles when crediting to enhance the functions of credit check and practice the middle management as well as post measurements. Moreover, banks should review the credits after lending loans to control and prevent NPL.
Because of the potential crisis and negative effects of NPL, we need to consider the development and solutions of this issue seriously. In order to prevent the disaster, the effective measurements can be addressed through cases study, literature review and analysis of the reasons leading to NPL. Moreover, through the acceleration clauses on the aspect of implements of law, the thesis will also discuss the skills of recalling the loan and the meaning of management.
Key words: Overdue Loan , Financial Industry
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