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題名:應用決策實驗室法比較兩岸銀行對企業授信評價之要素
作者:呂子立
作者(外文):LU, TZU-LI
校院名稱:中華大學
系所名稱:科技管理博士學位學程
指導教授:王瑜哲
李友錚
學位類別:博士
出版日期:2014
主題關鍵詞:決策實驗室法授信評價構面評價要素Decision-making trial and evaluation laboratory (DEMATEL)bank creditassessment aspectbank assessment element
原始連結:連回原系統網址new window
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過去30年來,全球各金融市場間的隔閡是越來越小了,台灣與中國大陸於2010年6月29日簽訂「海峽兩岸經濟合作架構協議」(ECFA)後,兩岸互動快速起飛,金融管制也逐漸開放;截至2012年台灣已核准12家銀行赴中國大陸設立分(支)行及子銀行,中國大陸也有3家銀行來台灣設立分行,因著資金融通與協助,銀行已成為台灣與中國大陸間產業發展的重要推手,也使兩岸經濟關係愈生緊密。本研究探討兩岸銀行對企業授信不同背景與條件下,以相同評價要素,對兩岸銀行經理人的專家意見,採用決策實驗室法(DEMATEL)比較兩岸銀行對企業授信評價之差異與共通點,並就評價要素間因果關係與關聯度,找出評價系統中的核心問題與改善的關鍵要素。
本研究結果發現,兩岸銀行經理人在不同背景下,對授信評價之看法雖是不同,但對企業風險之認知卻是一致。經彙聚與分析兩岸專家意見,探討5個評價構面及25個評價要素之影響與被影響程度,研究發現兩岸銀行經理人除有相同看法,亦有相反或不同的認知;而由因果圖呈現結果,本研究建議台灣的銀行宜更關注企業改善具核心因子特性之「產業經歷、營運成長、銀行貸款、產業領導地位及經營危機」及具驅動因子特性之「接班人制度、現金增資、產品升級能力及產業週期」評價要素,以連動改善具有被影響因子特性之「經營經驗、資金週轉、資本性支出、產品市占率、價格領導地位、經營策略及經營轉型」評價要素。中國大陸的銀行則宜關注企業改善具核心因子特性之「經營經驗、產業經歷、本業收入及產業週期」及具驅動因子特性之「營業收益、財務規劃、現金增資、債券籌資、資本性支出、產品多樣化及產品升級能力」評價要素,以連動改善具有被影響因子特性之「營運成長、資金部位、銀行貸款、資金週轉、產品市占率、產品領導地位及經營危機」評價要素。
本研究除具實務性外,提供兩岸銀行參考篩選優質企業,藉由增加與企業的長期往來關係,以降低資訊不對稱問題及透過徵信審查而獲取借款者內部獨特資訊;他方面促進兩岸經貿往來,以提振我國經濟發展與未來兩岸相互借鏡與交流。
In the past 30 years, the barriers among financial markets worldwide have narrowed; so as to the financial business and trading relationship between Taiwan and China. Thanks to the signing of the Cross-Strait Economic Cooperation Framework Agreement between Taiwan and China on June 29, 2010, cross-strait trade ties are closer, and the financial regulatory is more open. As of December 31, 2012, the Financial Supervisory Commission has granted approvals for 12 Taiwanese banks to establish branches (or sub-branches) or banking subsidiaries in mainland China; vice versa, 3 banks from mainland have setup their branches in Taiwan. Banks provide convenient services and financing support to cross-strait enterprises, thus playing an important role in helping multinational companies’ development across the the straight.
This study investigated the differences in bank’s credit assessment practices between Taiwan and mainland China. Same evaluation elements were used under different corporate loan conditions, expert opinions from bank managers on both sides, and the Decision-Making Trail and Evaluation Laboratory (DEMATEL) was employed to analyze the differences and similarities of corporate loans assessments between Taiwanese and Chinese banks. Furthermore, through this research and the consolidations of experts opionions, five evalution dimensions were examed and 25 key elements or areas for improvement in credit assessment were discovered. The results of this study suggests that banks on both side of the Strait should pay more attention to improve the evaluation of companies with core factors and driving factors of the evaluation elements, which could also improve the affected factors.
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