| Summary: | 碩士 === 國立暨南國際大學 === 管理學院經營管理碩士學位學程碩士在職專班 === 97 === Ever since the implementation of open-door policy, economic and financial
liberalization and internationalization, Taiwan’s economy has been close related to world
economy, especially to the U.S. In early 2008, the price of international raw materials
climbed up rapidly, then reached the peak in July, but then glided down quickly after
August, and got to the bottom in March 2009. The fluctuation of the raw material price,
riding roller coaster-like, is a severe challenge to the operation of small and medium size
enterprises. In order to rescue the enterprises in Taiwan and avoid economy becoming
beyond redemption, the government convinced the banks with the slogan” The
government support banks, the banks support enterprises and enterprises support their
employees.” So that it can avoid banks stopping their lending when the enterprises are in
finance trouble, hitting the SMEs and having the economy even been worse.. On the
base of risk-control principle, the banks will not increase largely the corporate lending in
a short time. In the period of economy tsunami, in order to avoid the malicious breach of
small and medium size enterprises and improve business performance, the banks should:
Review whether the bank’s credit policies, screen policies, loan management, overdue
accounts management and the relevant provisions of related standard operating
procedures are comprehensive enough or outdate to block the chance of financial
criminality. Foster and train staffs actively and enhance the case study of fraud cases.
Require strictly every credit cases to be screened by the 5-P principles. For the enterprise
borrower, the person in charge and the management team have to be especially noted, so
as to help the approver make decision. Suggest that Taiwan Academy of Banking and
Finance or every financial institution has the class courses of introduction no matter in Foreign Exchange fraud cases or the constructing file, analysis or prevention of general
credit case, and establish database to give the staffs or the researcher who could not
participate the class, so they can obtain the knowledge.
|
|---|
