| dc.contributor.advisor | 尚孝純 | zh_TW |
| dc.contributor.advisor | Shari, Shang | en_US |
| dc.contributor.author (Authors) | 齊孝昕 | zh_TW |
| dc.contributor.author (Authors) | Chi, Eric | en_US |
| dc.creator (作者) | 齊孝昕 | zh_TW |
| dc.creator (作者) | Chi, Eric | en_US |
| dc.date (日期) | 2018 | en_US |
| dc.date.accessioned | 12-Feb-2019 15:44:31 (UTC+8) | - |
| dc.date.available | 12-Feb-2019 15:44:31 (UTC+8) | - |
| dc.date.issued (上傳時間) | 12-Feb-2019 15:44:31 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0105933024 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/122273 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 國際經營管理英語碩士學位學程(IMBA) | zh_TW |
| dc.description (描述) | 105933024 | zh_TW |
| dc.description.abstract (摘要) | Deposit and lending is a fundamental function of a bank. A core competiveness of a banker is the ability of minimizing a borrower’s credit risk. In current traditional banking system, lending decision is a time-consuming process and requires a mountain of documents.However, with the advancement of information technology and the use of smart data analytics, various data could be collected from public authorities and social media and analyzed from different perspectives. The process of decision-making for credit approval has changed greatly in some online lending platforms.This study strives to answer the questions of “Why banks and online lending platforms perform differently in operation?” Areas in the size of facility, risk management and pricing quotation will be examined.The study results revealed that banks have better capability in risk management and complicated deals can be handled. On the other hand, online lending platforms have better efficiency but charge a relatively higher interest margin and facility fee. | en_US |
| dc.description.tableofcontents | 1. Introduction 11.1. Research Motivation 11.2. Research Objectives 21.3. Research Processes 32. Literature Review 42.1. Definition of SME 42.2. Definition of Online Lending Platform for SME 52.3. The Current Method of DBS Local Lending Program for SME 52.4. Lending to SME in Taiwan 72.5. Market Size of SME lending 82.6. Regulation of Banking and Credit in Taiwan 82.7. Value Proposition Model 92.8. Platform Revolution 103. Research Methodology 123.1. Design 123.2. Data Collection 133.3. Data Analysis 134. Case Study 144.1. DBS 144.2. On Deck Capital (“OnDeck”) 215. Results and Analysis 265.1. Cross Case Analysis 265.2. Analysis and Findings 285.3. Key to improve efficiency of DBS local lending program 296. Research summary 306.1. Research contribution and limitation 32Reference 33 | zh_TW |
| dc.format.extent | 846424 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0105933024 | en_US |
| dc.subject (關鍵詞) | 線上融資平台 | zh_TW |
| dc.subject (關鍵詞) | 貸款決定 | zh_TW |
| dc.subject (關鍵詞) | OnDeck | zh_TW |
| dc.subject (關鍵詞) | 星展銀行 | zh_TW |
| dc.subject (關鍵詞) | 比較分析 | zh_TW |
| dc.subject (關鍵詞) | Online lending platform | en_US |
| dc.subject (關鍵詞) | Lending decision | en_US |
| dc.subject (關鍵詞) | OnDeck | en_US |
| dc.subject (關鍵詞) | DBS Bank | en_US |
| dc.subject (關鍵詞) | Comparative analysis | en_US |
| dc.title (題名) | 線上融資平台與傳統商業銀行企業放款徵信方法之差異-以星展(台灣)銀行及OnDeck為例 | zh_TW |
| dc.title (題名) | A comparative analysis of lending service between traditional banks and online lending platforms | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | BrymanA. (2012). Social Research Methods. New York: Oxford University Press Inc.Chen, D., and Han, C. . (2012). A Comparative Study of Online P2P Lending in the USA and China. Journal of Internet Banking and Commerce .DBS. (2017). Annual Report. Taipei: DBS Taiwan.DBS. (2018). 中小企業星易貸. https://www.dbs.com.tw/sme-zh/dbs-forms/microloan-form.pageKaren Gordon Mills and Brayden McCathy. (2014). The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game. Harvard Business School.LinKeng-han. (2016). Reserach on Taiwan commercial bank`s detection of financial fraud in China: the use of public information. 國立政治大學.OnDeck. (2017). Annual Report.OsterwalderAlex, PigneurYves, BernardaGreg, & SmithAlan. (2014). Value Proposition Design. Hoboken, New Jersey: John Wiley & Sons, Inc.ParkerG.Geoffrey, AlstyneW. VanMarshall, & ChoudaryPaulSangeet. (2016). Platform Revolution. New York: W. W. Norton & Company, Inc.Small and Medium Enterprise Administrationof Economic AffairsMinistry. (2015年3月30日). Standards for Identifying Small and Medium-sized Enterprises. Small and Medium Enterprise Administration, Ministry of Economic Affairs: https://www.moeasmea.gov.tw/ct.asp?xItem=8261&CtNode=530&mp=2Wikipedia. (2018). Basel Accords. Wikipedia: https://en.wikipedia.org/wiki/Basel_AccordsYenChiLi. (2017). JKOS Pay: Challenges of Marketplace Adoption in the Mobile Payment Space. 國立台灣大學.Zopa. (2018). https://www.zopa.com/.林妙宜. (2001). 公司信用風險之衡量. 國立政治大學.林博仁. (2016). Loan default prediction：analyzing P2P lending data on the spark platform. 台北: 國立政治大學.梅驊. (2016). The Discussing of the Future Development of P2P Lending in Taiwan by Analyzing the Worldwide P2P Industry. 台北: 國立台灣科技大學.經濟部中小企業處. (2017). 2017中小企業白皮書. 經濟部. | zh_TW |
| dc.identifier.doi (DOI) | 10.6814/THE.NCCU.IMBA.004.2019.F08 | en_US |
