| Summary: | 碩士 === 朝陽科技大學 === 企業管理系碩士班 === 98 === Abstract
Bank is a capital supplier and demander .It acts as an intermediary of requiring funds for the intermediation businesses. For developing the Country''s economic system, Bank is operating in the relevant credit, investment and construction of social savings. After loan approval make by the bank, it is necessary to follow-up the business operations and financial position, bank should be constantly pay close attention to business situation. For the banks, the operations of " Post-Loan Management " and " survey credit" is important to expect a in-depth grasp of their administration, financial, business, credit rating and debenture situation, in order to achieve more effect in early warning. The early detection of borrowers’ status whether the contract would be extended and weakened, the bank may take all protective measures in advance to reduce credit risks even before the deterioration, so that the benefit guarantee on the bank debt is maintaining the rights of shareholders and depositors to remain sustainable competitivity of the bank.
If a bank takes the policy of post-loan management operations with Abnormal indicators to check the dwellers’ credit. It would be realized the symptoms in any other cases, they can quickly understand the context of the issues to report the information or summit solutions to to the decision-makers early. That will protect a great deal of the bank’ property and increase the bank’ claims.
In this study, Using implement Analytic Hierarchy Process (AHP) to analyze the bank post-loan management of the early warning indicators and weights, thus the results show that a bank employee in the taking usage of corporation with banking credit reference. The intention is to improve the quality of bank credit assets, and thus enhance rights of depositors and shareholders of the Bank and ensuring a sound banking business.
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