| Summary: | 碩士 === 中華大學 === 科技管理學系碩士班 === 101 === The main business of banks is to regulate the supply and demand of funds by providing and creating credit. While seeking their own profit, banks also serve the role of financial intermediaries at the same time, in order to promote the development of the national economy and to enhance the liveliness and efficiency of economic activities. In recent years, due to the changes in the financial environment, the banking business has become increasingly complex, and the risks of operations increase substantially. How to effectively manage risks and to ensure the sound operation of banks has become an important issue for bankers. The essential task banks need to work on is to reduce bad debts. If the banks can strengthen the credit quality control in the credit granting stage, the credit risk can be reduced significantly.
An analysis of the domestic banking shows that data warehouse of quantitative data for the rating system has been developed soundly. However, the qualitative rating system has not been established effectively due to the fact that qualitative information is not easy to collect. This study focuses on the perspective of bank credit officers, and uses fuzzy analytic hierarchy process to understand the measurement indices for bank credit decision-making. The priorities of indices are analyzed for the corporate credit and personal credit, respectively. The information can support bank clerks in making credit decisions, and allow the banks to understand the importance of providing and analyzing instant information of industry and business environment. As a result, the banks can enhance the credit quality, reduce the risk, and increase the profitability.
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