| Summary: | 碩士 === 輔仁大學 === 企業管理學系管理學碩士班 === 99 === Because of Taiwan's enterprises poor financial transparency and in order to maintain banking relationship, so nearly 70% of Taiwan companies obtain funds through the bank. In 2008 the global financial crisis, the Central Bank lowered the rediscount rate to a historic low of 1.25%, the bank interest rate in the second quarter of 2009 also dropped to 1.11% of the history of the low. The theme of this study was to explore the bank how to make a reasonable lending rates in the low interest rate environment.
The purpose of this study was to explore the corporate credit rating, banking relationship, business groups impact on bank lending pricing. In this study, the case bank in 2009 approved 733 corporate loan customers as the research object, the empirical results are as follows：
1. The better the credit rating of corporate customers, its financing costs will be lower.
2. The more long-term banking relationships, it will reduce the company's financing costs
3. Business groups will reduce the financing cost.
4. In addition to the financial information, the case bank will increase the company's loan interest rate according to their own professional judgement.
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