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題名 檢查 GECCU 的信貸承銷流程和貸款賬戶的監督，以確定其不良貸款的原因並打擊其不良貸款
Examining GECCU`s credit underwriting processes and the supervision of loan accounts to determine causes of, and combat its non-Performing loans作者 施力祺
Haynes, Ricky貢獻者 郭維裕
Kuo, George
施力祺
Ricky Haynes關鍵詞 信用合作社
不良貸款
信用評價
擔保
監督
credit union
non-performing loans
credit appraisal
underwriting
supervision日期 2021 上傳時間 4-八月-2021 15:05:50 (UTC+8) 摘要 In St. Vincent and the Grenadines (SVG), many businesses are experiencing growing portfolio of NPLs and The General Empowerment Co-operative Credit Union (G.E.C.C.U.) is not exempted. This study revealed that G.E.C.C.U. has an accelerating trend of incidence of non-performing loans (NPLs). The findings also revealed that the business sector in SVG has the most prevalent incidence of NPLs. Further, results showed that credit appraisal techniques, inadequate monitoring, business failure, poor weather conditions, unfavourable interest rate, and wilful default among others are factors accounting for the problem of NPLs at G.E.C.C.U. However, credit appraisal techniques, inadequate monitoring and business failures deemed the three major factors for such growing problem at the credit union.The study therefore focuses on examining G.E.C.C.U.’s credit underwriting processes and the supervision of loan accounts to determine causes of, and combat its NPLs. Additionally, the study is specifically geared towards ascertaining the trend of incidence of NPLs, the sector(s) with the highest incidence of NPLs, identifying factors contributing to the incidence of NPLs, evaluating the credit underwriting processes and supervision of loan accounts at G.E.C.C.U., while, endorsing implementable strategies and solutions to mitigate NPLs.The study evidently showed that the growing problem of NPLs at G.E.C.C.U. was as a result of poor credit underwriting processes and inadequate supervision of loan accounts, however, the state of the economy, such as business failures, are prime factors of non-performing loans. 參考文獻 Al-Tamimi, H. (2002), “Risk management practices: an empirical analysis of the UAE commercial banks”, Finance India, Vol. 16 No. 3,Al-Tamimi. H.A.H and Al-Mazrooei. F.A (2007), “Banks’ risk management: a comparison study of UAE national and foreign banks”, The Journal of Risk Finance Vol. 8 No. 4, 2007Alton R.G and Hazen J.H (2001). As Economy Flounders, Do we see A Rise in Problem Loans? Federal Reserve Bank of St Louis.Beck, R., Jakubik, P., and Piloiu, A. (2012). Non-performing loans: What matters in addition to the economic cycle? Retrieved from https://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp1515.pdf?acd1786abd6d2bd9b992504c6d714c7bBloem, M. A and Gorter N.C (2001), Treatment of NPLs in Macroeconomic statistics, IMF Working Paper WP/01/209Caprio, G Jr and Klinggebiel D (1996): Bank Insolvency-Bad Luck, Bad Policy or Bad Banking, Annual World Bank Conference on Development Economics.Commercial Lending Policy Development Guide (2014). Retrieved from https://www.dico.com/design/Publications/En/Commercial-Loans-February-2014/Commercial_Lending_Policy_Development_Guide_2014.pdfEuropean Bank Coordination Vienna Initiative, “The ‘Vienna Initiative pushes for action plan to deal with NPLs in central and south-eastern Europe’, 26 September 2014, available at http://vienna-initiative.com/npl-initiative/news-on-the-initiative/.European Central Bank. (2016). Draft guidance to non-performing loans. Retrieved from https://www.bankingsupervision.europa.eu/legalframework/publiccons/pdf/npl/npl_guidance.en.pdfFofack, H (2005), Non-Performing loans in sub-Saharan Africa : Causal Analysis and Macroeconomic implications, World Bank Policy Research Working Paper no. WP3769.G.E.C.C.U. History. G.E.C.C.U. in its infancy. Retrieved from http://thevincentian.com/G.E.C.C.U.-in-its-infancy-congratulations-on-its-glittering-silver-anniversary-p5414-108.htmG.E.C.C.U. Reports and Accounts (2016). G.E.C.C.U. 50th AGM Documentation (50th ed.). Budgemart.Getter, D. E. (2015). Policy issues related to credit union lending. Retrieved from https://www.fas.org/sgp/crs/misc/R43167.pdfGoodhart, A. (1998), “Effective risk management in financial institutions: the Turnbull approach”, Balance Sheet, Vol. 9.IMF (2017). IMF Working Paper. Retrieved from: https://www.imf.org/external/np/sta/npl/eng/2003/051603a.pdf [Accessed 18 Apr. 2017].International Monetary Funds. (2005). IMF Working Paper. Retrieved from https://www.imf.org/external/pubs/ft/wp/2001/wp01123.pdfInvestopedia (2017). Best Practices. Investopedia. Retrieved from: http://www.investopedia.com/terms/b/best_practices.aspInvestopedia.com (2003). Credit. Retrieved from http://www.investopedia.com/terms/c/credit.asp?lgl=no-infiniteIslam, M. S., Shil, N. C., and Mannan, M. A. (2005). M P RA Munich personal archive non performing loans -its causes, consequences and some learning. Retrieved from https://mpra.ub.uni-muenchen.de/7708/1/MPRA_paper_7708.pdfJohn Kay Associates Limited (2005), In-House Training in Accounting for non-accountants for credit officers.Khambata, D. and Bagdi, R.R. (2003), “Off-balance-sheet credit risk of the top 20 Japanese banks”, Journal of International Banking Regulation, Vol. 5 No. 1Oldfield, G.S. and Santomero, A.M. (1997), “Risk management in financial institutions”, Sloan Management Review, Vol. 39 No. 1, pp. 33-46.O`Sullivan, E. and Rassel, G. R. Research Methods for Public Administrators. 3rd Ed. Longman,1999.PCMH Research Methods (2017). Methodology. Retrieved from: https://pcmh.ahrq.gov/sites/default/files/attachments/MixedMethods_032513comp.pdfRouse, C.N (1989), Banker’s .Lending ...techniques, London. Chartered Institute of Bankers.Shimell, P. (2002), The Universe of Risk – How Top Business Leaders Control Risk and Achieve Success, Edited article – A model embedded, enterprise-wide risk management, based on Interview with Steve Barlow, Group Chief Internal Auditor Prudential, Financial Times/Prentice-Hall, London.Swelsh. (2014). Staying connected your financial your finances...your future for the alumni of the: ECCB savings and investments course ECCB entrepreneurship course ECCB small business workshops the credit union difference. The credit union difference! Retrieved from http://www.eccb-centralbank.org/PDF/si_newsletters/sandinov14.pdfTetteh, F. L. (2012). Evaluation of credit risk management practices. Retrieved from http://ir.knust.edu.gh/bitstream/123456789/4414/1/FREDERICK%.20LAWER%20TETTEH.pdfTummala, V.M.R. and Burchett, J.F. (1999), “Applying a risk management process to manage cost risk for an EHV transmission line project”, International Journal of Project Management, Vol. 17 No. 4, pp. 223-35.USAID, “High Levels of Problem Loans in Southeast Europe and Eurasia: The Silent Killer of Economic Growth.” United States Agency for International Development (2011).Uyemura, D.G. and Deventer, D.R. (1993), Risk Management in Banking: Theory and Applications of Assets and Liability Management, Banking Publication, Kamakura, Honolulu, HI.WorldBank (2017). Non Performing Loans. Retrieved from: http://pubdocs.worldbank.org/en/314911450690270267/FinSAC-LoanClassification-Provisioning-Paper.pdf 描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
108933038資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108933038 資料類型 thesis dc.contributor.advisor 郭維裕 zh_TW dc.contributor.advisor Kuo, George en_US dc.contributor.author (作者) 施力祺 zh_TW dc.contributor.author (作者) Ricky Haynes en_US dc.creator (作者) 施力祺 zh_TW dc.creator (作者) Haynes, Ricky en_US dc.date (日期) 2021 en_US dc.date.accessioned 4-八月-2021 15:05:50 (UTC+8) - dc.date.available 4-八月-2021 15:05:50 (UTC+8) - dc.date.issued (上傳時間) 4-八月-2021 15:05:50 (UTC+8) - dc.identifier (其他 識別碼) G0108933038 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/136432 - 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) 108933038 zh_TW dc.description.abstract (摘要) In St. Vincent and the Grenadines (SVG), many businesses are experiencing growing portfolio of NPLs and The General Empowerment Co-operative Credit Union (G.E.C.C.U.) is not exempted. This study revealed that G.E.C.C.U. has an accelerating trend of incidence of non-performing loans (NPLs). The findings also revealed that the business sector in SVG has the most prevalent incidence of NPLs. Further, results showed that credit appraisal techniques, inadequate monitoring, business failure, poor weather conditions, unfavourable interest rate, and wilful default among others are factors accounting for the problem of NPLs at G.E.C.C.U. However, credit appraisal techniques, inadequate monitoring and business failures deemed the three major factors for such growing problem at the credit union.The study therefore focuses on examining G.E.C.C.U.’s credit underwriting processes and the supervision of loan accounts to determine causes of, and combat its NPLs. Additionally, the study is specifically geared towards ascertaining the trend of incidence of NPLs, the sector(s) with the highest incidence of NPLs, identifying factors contributing to the incidence of NPLs, evaluating the credit underwriting processes and supervision of loan accounts at G.E.C.C.U., while, endorsing implementable strategies and solutions to mitigate NPLs.The study evidently showed that the growing problem of NPLs at G.E.C.C.U. was as a result of poor credit underwriting processes and inadequate supervision of loan accounts, however, the state of the economy, such as business failures, are prime factors of non-performing loans. en_US dc.description.tableofcontents TABLE OF CONTENTS1. Introduction 11.1. Background of the study 11.2. Problem Statement 31.3. Objectives of the study 31.4. Research Questions 41.5. Significance (Purpose) of the study 42. Literature Review 52.1. Credit Risk Management Practices 52.2. NPLs and the health of lending institutions 62.3. Implication of NPLs 62.4. The Causes of NPLs 72.5. Global best practice 72.5.1. Reducing Non-Performing Loans 82.5.2. Credit Underwriting processes and standards 92.5.2.1. Lending Conditions 102.5.3. Supervision of loans 102.5.3.1. Watch list accounts 113. Methodology 123.1. Research Methods 123.1.1. Qualitative research method 123.1.2. Quantitative research method 123.2. Research design 133.3. Population and Sampling 133.4. Sampling Technique 143.5. Sources of Data 143.6. Methods of Data Collection 143.7. Data Analysis 153.8. Challenges 154. Findings 164.1. Determining the trend of incidence of NPLs at G.E.C.C.U. Ltd. 164.2. The sector(s) accounting for the incidence of NPLs at G.E.C.C.U. 194.3. Factor Accounting for the incidence of NPLs in G.E.C.C.U. 214.3.1. Poor credit appraisal and underwriting techniques 224.3.2. Inadequate supervision of borrowers 234.3.3. Business Failure 234.3.4. Poor weather conditions 234.3.5. Unfavourable interest rate 244.3.6. Wilful (intentional) default and “Other” 244.4. Evaluating the credit underwriting processes and supervision of loan accounts at G.E.C.C.U. 244.4.1. Credit underwriting processes 244.5. Identifying any gaps between G.E.C.C.U. L practices and global best practice. 285. Conclusion 295.1. Summary of findings 305.2. Concluding remarks 316. Recommendations 327. References 338. Appendix 368.1. Appendix A 36 zh_TW dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108933038 en_US dc.subject (關鍵詞) 信用合作社 zh_TW dc.subject (關鍵詞) 不良貸款 zh_TW dc.subject (關鍵詞) 信用評價 zh_TW dc.subject (關鍵詞) 擔保 zh_TW dc.subject (關鍵詞) 監督 zh_TW dc.subject (關鍵詞) credit union en_US dc.subject (關鍵詞) non-performing loans en_US dc.subject (關鍵詞) credit appraisal en_US dc.subject (關鍵詞) underwriting en_US dc.subject (關鍵詞) supervision en_US dc.title (題名) 檢查 GECCU 的信貸承銷流程和貸款賬戶的監督，以確定其不良貸款的原因並打擊其不良貸款 zh_TW dc.title (題名) Examining GECCU`s credit underwriting processes and the supervision of loan accounts to determine causes of, and combat its non-Performing loans en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) Al-Tamimi, H. (2002), “Risk management practices: an empirical analysis of the UAE commercial banks”, Finance India, Vol. 16 No. 3,Al-Tamimi. H.A.H and Al-Mazrooei. F.A (2007), “Banks’ risk management: a comparison study of UAE national and foreign banks”, The Journal of Risk Finance Vol. 8 No. 4, 2007Alton R.G and Hazen J.H (2001). As Economy Flounders, Do we see A Rise in Problem Loans? Federal Reserve Bank of St Louis.Beck, R., Jakubik, P., and Piloiu, A. (2012). Non-performing loans: What matters in addition to the economic cycle? Retrieved from https://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp1515.pdf?acd1786abd6d2bd9b992504c6d714c7bBloem, M. A and Gorter N.C (2001), Treatment of NPLs in Macroeconomic statistics, IMF Working Paper WP/01/209Caprio, G Jr and Klinggebiel D (1996): Bank Insolvency-Bad Luck, Bad Policy or Bad Banking, Annual World Bank Conference on Development Economics.Commercial Lending Policy Development Guide (2014). Retrieved from https://www.dico.com/design/Publications/En/Commercial-Loans-February-2014/Commercial_Lending_Policy_Development_Guide_2014.pdfEuropean Bank Coordination Vienna Initiative, “The ‘Vienna Initiative pushes for action plan to deal with NPLs in central and south-eastern Europe’, 26 September 2014, available at http://vienna-initiative.com/npl-initiative/news-on-the-initiative/.European Central Bank. (2016). Draft guidance to non-performing loans. Retrieved from https://www.bankingsupervision.europa.eu/legalframework/publiccons/pdf/npl/npl_guidance.en.pdfFofack, H (2005), Non-Performing loans in sub-Saharan Africa : Causal Analysis and Macroeconomic implications, World Bank Policy Research Working Paper no. WP3769.G.E.C.C.U. History. G.E.C.C.U. in its infancy. Retrieved from http://thevincentian.com/G.E.C.C.U.-in-its-infancy-congratulations-on-its-glittering-silver-anniversary-p5414-108.htmG.E.C.C.U. Reports and Accounts (2016). G.E.C.C.U. 50th AGM Documentation (50th ed.). Budgemart.Getter, D. E. (2015). Policy issues related to credit union lending. Retrieved from https://www.fas.org/sgp/crs/misc/R43167.pdfGoodhart, A. (1998), “Effective risk management in financial institutions: the Turnbull approach”, Balance Sheet, Vol. 9.IMF (2017). IMF Working Paper. Retrieved from: https://www.imf.org/external/np/sta/npl/eng/2003/051603a.pdf [Accessed 18 Apr. 2017].International Monetary Funds. (2005). IMF Working Paper. Retrieved from https://www.imf.org/external/pubs/ft/wp/2001/wp01123.pdfInvestopedia (2017). Best Practices. Investopedia. Retrieved from: http://www.investopedia.com/terms/b/best_practices.aspInvestopedia.com (2003). Credit. Retrieved from http://www.investopedia.com/terms/c/credit.asp?lgl=no-infiniteIslam, M. S., Shil, N. C., and Mannan, M. A. (2005). M P RA Munich personal archive non performing loans -its causes, consequences and some learning. Retrieved from https://mpra.ub.uni-muenchen.de/7708/1/MPRA_paper_7708.pdfJohn Kay Associates Limited (2005), In-House Training in Accounting for non-accountants for credit officers.Khambata, D. and Bagdi, R.R. (2003), “Off-balance-sheet credit risk of the top 20 Japanese banks”, Journal of International Banking Regulation, Vol. 5 No. 1Oldfield, G.S. and Santomero, A.M. (1997), “Risk management in financial institutions”, Sloan Management Review, Vol. 39 No. 1, pp. 33-46.O`Sullivan, E. and Rassel, G. R. Research Methods for Public Administrators. 3rd Ed. Longman,1999.PCMH Research Methods (2017). Methodology. Retrieved from: https://pcmh.ahrq.gov/sites/default/files/attachments/MixedMethods_032513comp.pdfRouse, C.N (1989), Banker’s .Lending ...techniques, London. Chartered Institute of Bankers.Shimell, P. (2002), The Universe of Risk – How Top Business Leaders Control Risk and Achieve Success, Edited article – A model embedded, enterprise-wide risk management, based on Interview with Steve Barlow, Group Chief Internal Auditor Prudential, Financial Times/Prentice-Hall, London.Swelsh. (2014). Staying connected your financial your finances...your future for the alumni of the: ECCB savings and investments course ECCB entrepreneurship course ECCB small business workshops the credit union difference. The credit union difference! Retrieved from http://www.eccb-centralbank.org/PDF/si_newsletters/sandinov14.pdfTetteh, F. L. (2012). Evaluation of credit risk management practices. Retrieved from http://ir.knust.edu.gh/bitstream/123456789/4414/1/FREDERICK%.20LAWER%20TETTEH.pdfTummala, V.M.R. and Burchett, J.F. (1999), “Applying a risk management process to manage cost risk for an EHV transmission line project”, International Journal of Project Management, Vol. 17 No. 4, pp. 223-35.USAID, “High Levels of Problem Loans in Southeast Europe and Eurasia: The Silent Killer of Economic Growth.” United States Agency for International Development (2011).Uyemura, D.G. and Deventer, D.R. (1993), Risk Management in Banking: Theory and Applications of Assets and Liability Management, Banking Publication, Kamakura, Honolulu, HI.WorldBank (2017). Non Performing Loans. Retrieved from: http://pubdocs.worldbank.org/en/314911450690270267/FinSAC-LoanClassification-Provisioning-Paper.pdf zh_TW dc.identifier.doi (DOI) 10.6814/NCCU202100830 en_US
