Applying Non-Financial Information in Loan Evaluation of Small and Medium Enterprises

• Main Authors: LIN, YI-CHIEH, 林依潔
• Other Authors: CHOU, SHENG-CHUN
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/25972d

碩士 === 世新大學 === 資訊管理學研究所(含碩專班) === 107 === SMEs are the main economic structure in Taiwan. The financing of SMEs is also an important business that is indispensable. Therefore the relationship between the assessment of credit between banks and the credit risk factor for SMEs is critical for banks. The study Issues such as how best to lower SMEs asymmetrical financial information disclosure, and improve the security of credit granting to SMEs. Through selecting 14 non-financial variables that are of relevance through the relevant literature, a narrative statistical analysis is performed first to understand the basic characteristics of the data, then a Logistic regression analysis is used to discuss relevant factors affecting credit quality, and a decision tree is used. Analyze and verify the data sample structure collected to accurately assess the credit risk. Through empirical results, it was found that during the establishment of a company, the number of employees, the period between the company and the bank, whether the company provided the land for the collateral for the bank's mortgage, whether the company had any ticket remittance record, whether the person in charge had the ticket remittance record are critical factors to commercial bank loan measured. These findings can be a reference for banks in credit decision-making.