| dc.contributor.advisor | 蔡政憲 | zh_TW |
| dc.contributor.advisor | Tsai, Cheng-Hsien | en_US |
| dc.contributor.author (Authors) | 鄒佳伶 | zh_TW |
| dc.contributor.author (Authors) | Tsou, Jia-Ling | en_US |
| dc.creator (作者) | 鄒佳伶 | zh_TW |
| dc.creator (作者) | Tsou, Jia-Ling | en_US |
| dc.date (日期) | 2024 | en_US |
| dc.date.accessioned | 4-Oct-2024 10:44:02 (UTC+8) | - |
| dc.date.available | 4-Oct-2024 10:44:02 (UTC+8) | - |
| dc.date.issued (上傳時間) | 4-Oct-2024 10:44:02 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0111ZB1080 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/153910 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 國際金融碩士學位學程 | zh_TW |
| dc.description (描述) | 111ZB1080 | zh_TW |
| dc.description.abstract (摘要) | 在企業成長的過程中，資金的籌措與運用至關重要，穩定的資金是企業實現永續經營的核心要素之一。當企業面臨專案型融資、資本支出或中長期資金需求時，除了依賴資本市場籌措資金外，聯合貸款成為一種有效的資金籌措方式，能夠幫助企業快速獲得所需資金。
對銀行而言，授信業務是其核心收益來源之一，但由於臺灣金融市場競爭激烈，銀行放款利差有限，而呆帳損失對銀行盈餘有著顯著影響。因此，銀行對授信品質和貸後管理均進行嚴格控管，以確保風險在可控範圍內。然而，即使風險管理措施再嚴密，也難以完全避免逾期放款產生，更難以防範借款公司經營者的道德風險，經營者的誠信成為授信過程中最難預測和控制的因素之一。
本研究將聚焦臺灣地區的聯合貸款市場，首先說明聯合貸款的定義及籌組過程，其次整理國內市場的現況，並蒐集近年國內產業公司聯貸案例進行探討，深入分析相關聯貸案的授信條件，探索不同公司在籌組聯貸案過程中的共通點與差異性。通過這些分析，了解銀行在聯貸案中的考量因素及其可能存在的不足之處，以期為未來銀行在聯貸案籌組中的決策提供參考依據。 | zh_TW |
| dc.description.abstract (摘要) | In the process of corporate growth, the raising and utilization of capital are crucial, as stable funding is one of the core elements for sustainable business operations. When companies face project financing, capital expenditures, or long-term funding needs, in addition to relying on capital markets for funding, syndicated loans become an effective way to quickly secure the necessary capital.
For banks, lending is one of their core revenue sources. However, due to the intense competition in Taiwan's financial market, the lending interest margin is limited. As a result, bad debt losses have a significant impact on bank earnings. In order to ensure comprehensive risk management, banks impose strict controls on credit quality and post-lending management. Despite stringent risk management measures, it is challenging to entirely avoid overdue loans, and even more difficult to prevent the moral hazards posed by borrowers' executives. The integrity of corporate management team remains one of the most unpredictable and uncontrollable factors in the credit process.
This study focuses on Taiwan's syndicated loan market. It begins by defining syndicated loans and explaining the structuring process, followed by an overview of the current domestic market. Additionally, case studies of syndicated loans within Taiwan’s industrial sector in recent years will be examined. The study delves into the credit conditions associated with these syndicated loans, exploring commonalities and differences among various companies in the syndication process. Through these analyses, we aim to understand the considerations of banks in syndicated loan transactions and identify potential shortcomings, with the goal of providing reference for future decision-making in the organization of syndicated loans by banks. | en_US |
| dc.description.tableofcontents | 第一章 緒論 1
第一節 研究動機及目的 1
第二節 研究方法與範圍 2
第二章 聯合貸款交易介紹 3
第一節 聯合貸款市場介紹 3
一、聯合貸款的定義 3
二、聯合貸款的承作類型 3
三、聯合貸款籌組過程 4
第二節 國內聯合貸款市場說明 7
一、近年國內聯合貸款市場概況 7
二、國內參與國際聯合貸款市場 9
第三章 聯合貸款案評估重點與案例 10
第一節 案件評估重點說明 10
第二節 案例探討 12
一、電子業I公司 12
二、租賃業O公司 20
三、航空業F公司 28
第三節 小結 39
第四章 結論與建議 42
參考文獻 43 | zh_TW |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0111ZB1080 | en_US |
| dc.subject (關鍵詞) | 聯合貸款案 | zh_TW |
| dc.subject (關鍵詞) | 臺灣聯貸市場 | zh_TW |
| dc.subject (關鍵詞) | 主辦銀行 | zh_TW |
| dc.subject (關鍵詞) | 銀行團 | zh_TW |
| dc.subject (關鍵詞) | 授信風險評估 | zh_TW |
| dc.subject (關鍵詞) | 貸後管理 | zh_TW |
| dc.subject (關鍵詞) | 違約案例 | zh_TW |
| dc.subject (關鍵詞) | Syndicated loan | en_US |
| dc.subject (關鍵詞) | Taiwan syndicated loan market | en_US |
| dc.subject (關鍵詞) | Lead bank | en_US |
| dc.subject (關鍵詞) | Majority Lenders | en_US |
| dc.subject (關鍵詞) | Credit risk assessment | en_US |
| dc.subject (關鍵詞) | Post-lending management | en_US |
| dc.subject (關鍵詞) | Trouble cases | en_US |
| dc.title (題名) | 銀行參與聯合貸款案件風險評估 | zh_TW |
| dc.title (題名) | Risk Assessment of Banks' Participation in Syndicated Loan | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | 王忠慶，租賃業之現況與展望， 2022/09/16， 台灣經濟研究院產業資料庫
陳娣螢，伺服器製造業之現況與展望，2022/03/29，台灣經濟研究院產業資料庫
陳娣螢，伺服器製造業景氣動態報告，2023/01/30，台灣經濟研究院產業資料庫
詹瑤娟(2015)，金融人員企業授信必修12堂課(初版)，台北，台灣：台灣金融研訓院
公開資訊觀測站，檢自 https://mops.twse.com.tw/mops/web/index
經濟部統計處，檢自https://www.moea.gov.tw
Fitch Ratings，檢自 https://www.fitchratings.com
Moody’s，檢自 https://www.moodys.com
S&P Global，檢自https://secure.spglobal.com | zh_TW |
