:::

詳目顯示

回上一頁
題名:中小企業融資授信實務與風險轉嫁之實務研討
書刊名:華人前瞻研究
作者:曾信超 引用關係黃新宗
作者(外文):Tseng, James H. C.Houng, Hsin-chung
出版日期:2005
卷期:1:2
頁次:頁43-64
主題關鍵詞:中小企業信用保證基金信用風險中小企業道德風險呆帳風險風險分攤Small and medium credit guarantee fundCredit insuranceSmall and medium enterprisesMoral riskDefault riskRisk-share arrangement
原始連結:連回原系統網址new window
相關次數:
  • 被引用次數被引用次數:期刊(0) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:0
  • 共同引用共同引用:0
  • 點閱點閱:65
中小企業信用保證基金成立宗吉為:「對具有發展潛力但缺乏擔保品之中小企業,提供信用保證,協助其獲得金融機構之融資與授信,另一方面分攤金融機構之風險,提高金融機構對中小企業融資之信心與意願」。中小企業在台灣經濟發展土扮演著相當重要角色,但因近年來國際景氣衰退,中小企業融資更為困難,因此,中小企業信用保證基金扮演之『信用保證』提供功能,或是運用保險經營上大數法則,以信用保險方式,來加強融資授信風險分攤,就更顯為重要,但因中小企業競爭日趨激烈,如何降低信用風險與規避道德風險(moral hazard)是中小企業信用保證基金、保險公司與金融機構必須面對之重要課題。
The objective of the Small And Medium Credit Guarantee Fund is to provide credit guarantee to those small and medium enterprises that in normal operation but are short of collateral for external financing. The small and medium enterprises play an extremely important role in the economic structure in Taiwan. In early 1970's a great number of small and medium enterprises suffered from the recession and inflation brought up by the oil crisis. At the time the banking institutions turned to be conservative and request very stringent collateral requirements on small and medium enterprises' loan applications. Small and medium enterprises thus encountered great difficulties in obtaining financing. To cope with these situations, the SMCGF was established in 1974 to strengthen the financing or use the law of large number 『Credit Insurance』. to assistance SMES. Risk-shared arrangement is one of the features of the SMEG and insurance companies, the default rates in banking institution are worse day by day, how to control and reduce the default loss and moral risk in banking institutions is very important for SMCGF and Insurance Companies.
期刊論文
1.李國鼎(19970100)。創設中小企業信用保證基金之經過及其對中小企業發展之貢獻。自由中國之工業,87(1),1-12。  延伸查詢new window
2.楊開卓(199801)。衡量信保基金績效之探討。臺灣經濟金融月刊,34(1)=396,1-5。  延伸查詢new window
3.劉邦典(19961200)。中小企業信用保證基金之現況與未來發展。臺灣土地金融季刊,33(4)=130,45-71。  延伸查詢new window
圖書
1.倪成彬(2000)。金融機構的風險管理。台北:台灣金融研訓院。  延伸查詢new window
2.葉英俊(2000)。授信風險管理。台北:台灣金融研訓院。  延伸查詢new window
3.施文森、林勳發(1987)。消費性貸款信用保證保險之研擬。台北:保險業務發展基金管理委員會。  延伸查詢new window
4.(2004)。中小企業信用保證基金年報。台北:中小企業信用保證基金。  延伸查詢new window
5.(2004)。中小企業融資指南。台北:經濟部中小企業處。  延伸查詢new window
6.(1994)。中小企業信用決策模組。台北:鄧白氏。  延伸查詢new window
7.廖憲文、蘇文斌、黃新宗、劉美芳(2005)。貨幣銀行學。台北:華立圖書。  延伸查詢new window
其他
1.葉銀華(2000)。誘因型融資契約--可運用於信保基金。  延伸查詢new window
 
 
 
 
第一頁 上一頁 下一頁 最後一頁 top
QR Code
QRCODE