Corporate Governance, Lending Behavior and Lending Risk in the Bank Industry
碩士 === 銘傳大學 === 風險管理與保險學系碩士班 === 103 === Deposit and lending are the main scopes in the bank industry. A bank may go bankrupt if seriously high lending risk occurred, so lending risk is an important issue for bank industry. We propose corporate governance will affect lending risk through lending beh...
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| Format: | Others |
| Language: | zh-TW |
| Published: |
2015
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| Online Access: | http://ndltd.ncl.edu.tw/handle/83561067780608774076 |
| Summary: | 碩士 === 銘傳大學 === 風險管理與保險學系碩士班 === 103 === Deposit and lending are the main scopes in the bank industry. A bank may go bankrupt if seriously high lending risk occurred, so lending risk is an important issue for bank industry. We propose corporate governance will affect lending risk through lending behavior. We use spread, the proportion of secured loan, and loan growth to proxy lending behavior. The ratio of overdue loan is used as proxy of lending risk. We find lending behavior will affect lending risk, and corporate governance affect lending risk only through spread.
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