The Case Study of Assessing Credit of Commercial Banks on Small and Medium Enterprises.

• Main Authors: Hsiu-Wei Ma, 馬修偉
• Other Authors: Lin Lin
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/96670920404271810929

碩士 === 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 === 100 === This article hopes the case of banking facilities to filter the customer standards for the premise, plus the financial industry nearly two decades of experience to share in the regularization of the credit evaluation process, the credit officers from the small and medium enterprises of all kinds of clues found customers in the company operatingwhether it is worth or financial undertook the lending business, in order to enhance the quality of the credit. In order to restore the original appearance of the company, make the right judgments. Bank to credit risk assessment, totally dependent on the format of the score table, can not fully express the company the whole picture. And examined, not only from the financial side to find out the financial figures of the company's favorable or unfavorable, more determination to see that the operators of sustainable management from the business side of the boss. Through case conditions, in order to reduce the credit risk (net exposure), there is often a condition for approval; this condition will also be granted loans after the exit mechanism of this early warning of the bank on the company's early warning system characterization established can also significantly reduce the credit risk.