Empirical Analysis of Bank Credit-- for Example The A Bank Credit for SMEs
碩士 === 國立虎尾科技大學 === 經營管理研究所在職專班 === 100 === Small and medium enterprises (SMEs) which are the heart of Taiwan economic were founded very difficult and always need support by government to try to carry out policies. The crucial that banks decided to lend is often based on financial statements and the...
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| Format: | Others |
| Language: | zh-TW |
| Published: |
2012
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| Online Access: | http://ndltd.ncl.edu.tw/handle/dd24e2 |
| Summary: | 碩士 === 國立虎尾科技大學 === 經營管理研究所在職專班 === 100 === Small and medium enterprises (SMEs) which are the heart of Taiwan economic were founded very difficult and always need support by government to try to carry out policies. The crucial that banks decided to lend is often based on financial statements and the value of guarantees. To find an early warning model which can assist banks to make the best rule of credit guaranty is the motivation of this study. This study tries to establish a financial cris alert model which provides credit loan and amount of control for financial institution and the SME take precautions against a calamity. And the model also could be an important foundation of the credit loan decision of the SME to decline default risk of SMEs from asymmetric information.
The result of Logistic model performance is 0.6 in prediction of bankruptcy, and the aggregate accurany is as large as 83.2%. The coefficient of Hosmer-Lemeshow of 8.750 was not found to be statistically significant at 0.05 (p-value is 0.364), that is, SMEs credit model which was created by these four independent variables had the fitness which is very desirable. Banks can decide credit loan or not and reduce the probability of default risk in the shortest possible time by using this model.
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