Commercial Bank of Study the Effects of the Loans for SMEs on Business Performance

• Main Authors: Lee,Jui-Wen, 李瑞文
• Other Authors: Chen,Dar-Hsin
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/39458748211979389253

碩士 === 國立臺北大學 === 國際財務金融碩士在職專班 === 102 === This article is to study a period of 2006/9~2012/9 about the effects of the loans for SMEs on business performance.As commericial banks in Taiwan face a storm of the credit card and consumer credit loan cause a lot of loss in 2006. In the next year ,there is a Subprime mortgage crisis started in August 2007.Until September 2008, Lehman Brothers Holdings Inc went bankrupt, commericial banks in Taiwan faced a big change from interal and external envioment.Reference public financial data from Central bank in Taiwan 、 Financial Supervisory Commission and TEJ to measure commericial bank’s performance. Add the return of invest,we induction seven financial index.There are：Return On Equity(ROE)、Return On Assets (ROA)、Capital Adequacy Ratio(CAR) 、Non-performing loans Ratio(NPL) 、Provisioning coverage ratio(POR) 、Operating Expense ratio、SMEs account for the ratio of the bank's total loan lending、SME loans accounted for the bank's corporate lending rate.Additional inclusion two dummy variable:one is time variable about Subprime mortgage crisis and another dummy variable is public bank or private bank.The objective of this study is to utilize the Regression model analysis to 10 financial holding companys and 5 commericial banks in Taiwan. Parameter estimates suggesting the following conclusions: 1.As Capital Adequacy Ratio is higher, the bank's Return On Equity is also higher . It showed that commericial banks can take the high return on investment as more and relatively high-risk business.So commericial banks have higher Return On Equity. 2.By order of the amount of bank loans for SMEs in the more profitable indeed result in changes for the better performance of the bank's ROE. 3.After the financial crisis, the bank's ROA is better than before the financial crisis. 4.During the observation period in four years after the financial crisis showed, whether public or private banks have been lending volume growth in SMEs, there really are driven to enhance the profitability of the bank performance. Keywords: loans for SMEs、Return On Equity(ROE)、Return On Assets (ROA) 、 SMEs account for the ratio of the bank's total loan lending、 SME loans accounted for the bank's corporate lending rate