Malicous Default Methods of Small And Middle Enterprises Towards Banks

• Main Authors: Don-Song Lin, 林冬松
• Other Authors: Lin Lin
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/09819391443128200513

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.