| Summary: | 碩士 === 開南大學 === 商學院碩士在職專班 === 107 === Because of the impact of external environmental factors on the equipment financing industry in recent years, the related financing industry has increased significantly, but the proportion of bad debts that cannot be recovered due to financing has also increased. The purpose of this study is to explore equipment loan credit evaluation and analyze different background influences are different from the cognitive differences of credit evaluation projects, in order to assist operators to establish standardized evaluation procedures and reduce bad debts and risks in the financing industry. Based on the purpose of this study, two research questions were derived: What is the credit evaluation project for cognitive equipment financing in this study? And are there different differences in the perceptions of respondents from different background factors?
This study adopts the expert interview method to design the equipment loan credit evaluation questionnaire. The research object is a equipment financing company. The number of population is 290, and the effective questionnaire totals 244. Share. Based on the results of the factor analysis, the respondents considered that the loan credit evaluation for equipment financing included “repayment ability facet”, “operational status and corporate outlook facet”, and “non-financial risk facet”, a total of 24 items. According to the results of t-test and single-factor variance analysis, there were significant differences in the perceptions of the respondents' different evaluations.
Keywords：equipment loan、credit evaluation、factor analysis
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