The Relationship between Bank Types and Their Clients’Financial Characteristics with Different Loan Conditions

• Main Authors: Mei-Chun Shih, 施梅君
• Other Authors: Cheng-Li Huang,PhD
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/74793047133483489681

碩士 === 淡江大學 === 會計學系碩士在職專班 === 103 === In early days the financial industry in Taiwan took public banks as a principal axis. In 1989 the government started to amendments to the banking law and permit the establishment of private banks, after the number of banks surge in accelerating the whole organization that combine and help the finance to internationalize, then allow the foreign banks to merge and acquisition the native bank. Since when faced fierce competition, each bank surge to make profits and digest funds quickly, had been competitively fighting for bring a high-quality corporate loan clients of long-term stability for bank profits. Banks mainly accept deposits and then financing to businesses or individuals to earn interest, loan business is the important source of bank profits, and a huge amount of loan business if mismanagement become overdue, will seriously erode bank profits, therefore, the impact of physical merits of the business is huge to banks. This research tries to find out whether the three type banks- public, private and foreign banks which loan decisions presents the opposite differences by the financial position of loan clients cabinet business, management, business prospects, risks and other financial characteristics and borrowing conditions, and examines the possible reasons causing differences. Collect relevant the statistics from Taiwan Economic Journal, select by examinations 4 public banks, 7 private banks,5 foreign banks, total 2,481 for study the sample with data of the end of 2012, through describe statistics understand the variable to distribute the condition, and use of variation differences in the number of analysis, then carry on the examination by Binary Logistic regression test , acquire a substantial evidence result as follows: 1.Recognition of the principle of credit 5P financial condition, management and future prospects of the three facets of the empirical results to show the public, private and foreign banks whose loan decision making three types of considerations have developed consensus guidelines follow the Association of Banks of credit to credit review and principles 5P of the loan. 2.In terms of risk, the TCRI of loan client is the highest in public banks, the second is private banks, foreign banks is the lowest, shows that the public banks request lending clients to provide collateral in the proportion of private and foreign banks are relatively high. 3.In the loan conditions, the empirical results show that the public banks require borrowers to provide collateral-free way to get financing is the lowest proportion; the ratio of loan to total assets of business from public bank is higher than in private banks, means that business get financing easier from public bank. The empirical results of the unsecured proportion and TCRI echoes, are attributed to the public banks in Taiwan whose business background and conservative style, so attitudes toward financing request collateral.