Explore Loan Factors Related to Construction Loan-An Example of Y bank

• Main Authors: HSIAO-CHUAN, TSENG, 曾小娟
• Other Authors: Hsi-Peng Lu
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/d48mk8

碩士 === 國立臺灣科技大學 === 管理研究所 === 103 === In this study, we try to the linkage of (1) the customers ' credit rating, (2)financial index, (3)project scheme and (4)government regulations four factors. How these factors influence the process of construction loan undertaking in bank. The following results can provide banks to consider taking the construction loan in more objective and secure ways. 1. The construction loan is different from other loan cases, the lenders' credit rating and financial index are not the prime factors to proceed the loan. 2. Besides the "Bank loan policy", the compliance with government regulations is necessary. 3. "Construction plan", "Cost analysis","Funding resource"and "Payback plan" are four fundamental issues to secure the success of construction loan. 4. The custody program could enforce the secure of the loan.