The Impacts of the Working Capital Loan Project to Tea Industry on the Bank's Performance - XX Bank's of Chushan Branch for Example

• Main Authors: Lin, Xi Nan, 林西南
• Other Authors: 周登陽
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/54821187240259733664

碩士 === 國立中正大學 === 高階主管管理碩士在職專班 === 102 === Abstract With the rapid development of Taiwan high mountain tea and the related industries in recent years, the local tea industry grows prosperously due to the cooperation of bank providing fund. Through the interviews with the questionnaires of the 120 credit accounts of Zhushan Town, Mingjianxiang Township, and Luku Township in Nantou County by using SPSS software to analyze the result, the thesis is to study the transaction changes in the trade of working capital, and the impact to the bank's performance of the XX Bank at tea industry. According to the result, among the interviewees, the bank lending to individual are 56(80%) persons, lending to stores and companies are 9 (12.9%) and 5(7.1%) separately. The real estate, the main collateral of loan, are at 46(65.7%) persons; the others, such as, transaction cheques and credit guarantee funds are 18 (25.7%) and 11(15.7%) persons respectively. Most of the working capital loan is applied for company’s working capital, which is 45(64.3%) persons, or buying factory, which are 17(24.3%) persons. However, according to the successive year, the three townships conservatively appears 62(88.6%) persons keep the same loan, where 51(72.9%) persons are using as the company’s working capital and 15 (21.4%) persons are buying factory or build house. The XX Bank's of Chushan branch on the extension line of working capital loan project in the three main townships of tea industry at Nantou County, the performance including bank net loan, small and medium size enterprise lending, revenue of the lending charge, total bank deposit, current deposit, revenue of charge for insurance, all present positive. We hope we can bring the model of the working capital loan project for tea industry to other countries.