The bank awards the risk of the letter to assess to small and medium-sized enterprises with the interest rate negociation price Case study of the ability relation

• Main Authors: Shen Jui-Long, 沈瑞隆
• Other Authors: Jack J.W. Yang, Ph.D
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/16754445445241289162

碩士 === 雲林科技大學 === 財務金融系碩士班 === 98 === Utilizing a sample of one hundred small and medium-sized enterprises,we find that fourteen factors might affect the quality of loan repayments.Specifically, these fourteen factors are: owners'' professional knowledge and expertise, firms'' prestige and history, income growth of the most recent three years, coordination between marketing and sales, other joint ventures, banks'' relationships, the leading position in the industry, products attributes, the future outlook, owners'' credit ratings, owners'' asset/liability, guarantee materials, deposit records, and account management fees. Hopefully, the empirical findings will upgrade banks'' assessing abilty in performing loan analysis.