| Summary: | 碩士 === 銘傳大學 === 企業管理學系碩士在職專班 === 102 === In the past, our banking system had been criticized for lacking of operation efficiency and quality of service. Therefore, it put us in the weak position in international banking competition. Due to the financial liberalization and internationalization trend, our government has promoted free competition in the banking sector. In order to improve operational efficiency and service quality, the government not only relaxed the banking business scope rings, but also lifted the ban of establishing commercial banks. The barrier of entering banking market has been removed.
Because of the low barriers to entry the market, a large number of private banks have been established since the opening of the establishment for private banks. Due to the lack of adequate supporting management mechanism and improper measurement of the size of the domestic market, the supply and demand of financial markets is in serious imbalance. It has become a typical “Red Sea” and buyer''s market in this highly competitive situation. In theory, the bank is in the absolute weak position for the development of credit prices. However it’s not always the case in practice. It is more significant especially in the corporate banking business. The motivation of this research is to explore the possible causes.
Base on the practical experience, there are four key elements in this research, including firm size, industry characteristics, personality traits of operators, and the quality of banking. This research is designed to investigate whether these four key elements affect the acceptance of customers'' credit order price and also try to establish an adequate credit pricing model for reference.
The expectations through data analysis and interviews with business owners are to confirm the key factors affecting customer acceptance of bank credit pricing and to try to find if there are outside factors. First step is analyzing secondary data in order to categorize the size of the companies surveyed. Second, depending on the content of the interview precedes, the personality types between operators are identified. As well as on industry characteristics and quality of service measured by the scholars, the interviews were conducted.
In this research, a total of 10 companies are interviewed. All respondents surveyed are key decision-makers and they can reflect the substance of corporate finance. Ultimately, case studies are recapitulated based on the information gathered, compared, analyzed and then integrated with actual interest rate accepted in each case study. The purpose of this study confirms the influence factors.
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