The Management Policy of Overdue Loan - Evidence from the Branch of Bank L

• Main Authors: YANG, MEI-LI, 楊美莉
• Other Authors: HUANG, CAI-YUAN
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/58441168928979356118

碩士 === 國立屏東大學 === 國際貿易學系碩士班 === 105 === 　　Currently, banks promote various financial products and services, and it leads to a more competitive market environment. However, loans are still the primary way in which most banks make profits. Therefore, overdue loans are critical to the sustainable operation for banks. Furthermore, the future of real estates in Taiwan is difficult to predict, and bank management should carefully assess loans in order to avoid reducing profits from non-performing loans （NPLs）. As a result, managing of credits becomes imperative on the bank. 　　The sample size of this research was 167 cases of overdue loans, and its period was during from 2015 to 2016 in a branch of a state-owned bank in the Pingtung area. The ten variables were selected from the borrower’s basic information and five credit administration principles, which were gender, age, annual income, occupation, education level, job function, loan amount, job longevity, number of children, and month of NPL which were more than one to three months. The data analysis was used by SPSS to study the relationship between these variables, and thus it found the major factors which affected overdue loans. 　　The result revealed that the four variables, which were gender, education level, job function, and occupation, were significant on the month of NPL analyzed by a chi-square test. The loan amount was significantly affected by the five variables, which were age, job longevity, job function, annual income, and education level, tested by correlation analysis. In addition, annual income and education level could account for loan amount on a multiple regression analysis. It showed that the higher of annual income and education level, the larger amount of loan could be borrowed, and vice versa. The findings of this research would be the reference for bank lending criteria. Furthermore, banks could more effectively assess the credit cases to decrease the risk of NPLs for the speculative investments.