| Summary: | 碩士 === 大葉大學 === 管理學院碩士在職專班 === 107 === In the economic environment of economic liberalization and
internationalization, credit business is one of the main operations of the
bank and its main source of income. In order to improve the bank's
profitability and credit quality, banks must first evaluate before granting
any credit. If credit quality control is well-managed, not only can
sustainable operations be profitable, but creditors' rights can also be
effectively protected. Through literature review and empirical research by
questionnaire distributed to companies in the domestic financial industry,
this study sees the possible and vital factors and opinions of the credit risk
assessment of banks when they undertake credit. The employees of the
state-owned T Bank are the research subjects. These employees have much
experience in the credit-granting business. The study systematically
collect, organize, compare, and analyze the data through to questionnaire
survey, as the aim is to evaluate the relative importance of the bank's key
influential factors affecting credit; eventually, the study draws the
following conclusions:
(1) For the dimension of the borrowing person, the credit assessment
from person in charge is rated as the most important key criterion. (2) For
the dimension of intended purpose of the loan, purchasing assets is the most
important key criterion. (3) For the dimension of repayment capacity, the
operating surplus is the most important key criterion. (4) For the dimension
of protection of creditors' rights, the nature of collateral is the most
important key criterion. (5) For the dimension of credit perspective,
competitiveness is the most important key criterion. The top two indicators
in the key criteria are the competitiveness of the credit perspective and the
nature of the collateral for protection of creditors' rights, because only
competitive enterprises have a future to be able to make repayments.
In addition, for the dimension of the overall goal, the most important
one out of the five dimensions is the protection of creditors' rights, followed
by the repayment capacity. From the perspectives of the supervisors and
the handling personnel, the supervisors believe that the protection creditors'
rights is the most important dimension, followed by repayment capacity;
for the handling personnel, repayment capacity is the most important
dimension, followed by the protection of creditor's rights. At present, based
on the conservatism principle, the employees of the state-owned T Bank
involved in credit put emphasis on the protection of creditor's rights first,
and then assess whether the debtor is capable of repaying when assessing
credit.
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