The Key factors of Non-performing Loan in Banking Industry for Small & Medium Enterprises – A Case Study of T Bank

• Main Authors: Shou-Mei Liu, 劉秀美
• Other Authors: 蔡進丁
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/87565489238632632102

碩士 === 淡江大學 === 管理科學研究所企業經營碩士在職專班 === 98 === Title of Thesis： The Key factors of Non-performing Loan in Banking Industry for Small & Medium Enterprises – A Case Study of T Bank Total pages:80 Key word：SME credit, Overdue loans, Credit risk, Factor analysis Name of Institute: Executive Master’s Program of Business Administration (EMBA) in Management Sciences , Tamkang University Graduate date: January, 2010 Degree conferred: Master Name of student: Shou-mei Liu Advisor: Ching-Ting Tsai 劉秀美 蔡進丁 Abstract: This research aims to explore the affecting factors of Non-Performing Loans that caused by the bank credit extensions to small and medium-sized enterprises, and it takes T bank as an example. After making the questionnaire survey, this research got the effective samples 423, and with the factor analysis as the major part of statistical method. The major points from this research can be summarized as below: The affecting factors of Non-Performing Loans that caused by the bank credit extensions to small and medium-sized enterprises include“The management of bank credit extensions＂,“The strategic decision of bank credit extensions＂,“The management over the take-down of the loans＂,“The morality of enterprise operators＂,“Business operation & investment made by enterprises＂,“Business operation & management made by enterprises＂,“Business cycle all over the world＂,“The real estate and the nature disaster＂and“The government policy＂etc. The affecting factors of improvement of Non-Performing Loans that caused by the bank credit extensions to small and medium-sized ii enterprises include“The risk control of bank credit extensions＂,“Training staff effectively＂and“The supervision and regulation of bank credit extensions＂. Further more, about the variables of demographic statistic to various dimensions of factors, some of them are found significant difference. 表單編號：ATRX-Q03-001-FM031-01