| Summary: | 碩士 === 淡江大學 === 國際企業學系碩士在職專班 === 102 === Banks with the same general business, both in the pursuit of profitable growth, and profitability of the bank deposit and loan spreads primarily from fee income and, generally speaking, large enterprises, especially because of a public company over the huge funds required financial information more transparent and , banks are willing to lower interest rates to fight Cheng made, so the bargaining power of large enterprises is relatively high interest rates, while the SMEs are not transparent because the relevant information representing, banks properly evaluate difficult for manufacturers, it is difficult to grasp the credit risk, causing lending small amounts of lead in the relatively high cost of bank operations and credit risk situations, making SME credit interest rates are usually higher than large enterprises, and the level of interest rates determined by the Bank.
In this study, C Bank as a case study to Lin and Pao (2004) theoretical framework to discuss the case company in today''s competitive environment, in order to effectively improve the credit for interest rates, the interest rate on corporate finance short-term credit pricing which adopted strategy and its implementation strategy outcomes, and thus view the C bank credit interest rate policy has corrected if necessary, and make the review and recommendations. View C through banks in which, after the external environment, resources and limitations owned, this study suggests that C Bank in Taiwan enterprises to become eligible for the credit business of the bank''s target interest rate under the first, using the "large-scale enterprises to improve Credit interest rates and increased lending to SMEs proportion "strategy, through internal expertise and division of functions and strengthen the homogeneity of competitors and cross-industry alliance to expand their business with the government policy, corporate mission is to be reached, but also increase profitability The best strategy, it is suitable for C Bank carried out according to the bargaining power of enterprise credit interest rate pricing differenc.
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