| Summary: | 碩士 === 東吳大學 === 經濟學系 === 100 === In this paper,we use time series to inspect the affect of macroeconomic factor on corporate finance and consumer finance between Taiwan and China region.In addition, also to examine the impact on the total financial loans between Taiwan and China region.The results showed that,we found housing prices and stock index always a number of important factors affect the loan through cointegration,VECM model and variance decomposition.There exists reason that bank will choose real estate or stocks as collateral,and estimate the lending risk according to the value of collateral.No matter corporate finance,consumer finance or total loans,bank will estimate the lending risk according to the value of collateral, this can be used as the reference of future industry loans.
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