| dc.contributor.advisor | 劉玉珍<br>張元晨 | zh_TW |
| dc.contributor.advisor | none<br> | en_US |
| dc.contributor.author (作者) | 唐于雅 | zh_TW |
| dc.creator (作者) | 唐于雅 | zh_TW |
| dc.date (日期) | 2002 | en_US |
| dc.date.accessioned | 2009-09-14 | - |
| dc.date.available | 2009-09-14 | - |
| dc.date.issued (上傳時間) | 2009-09-14 | - |
| dc.identifier (其他 識別碼) | G0090357021 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/30967 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 財務管理研究所 | zh_TW |
| dc.description (描述) | 90357021 | zh_TW |
| dc.description (描述) | 91 | zh_TW |
| dc.description.abstract (摘要) | 中小企業大多屬於未公開發行公司，只能以非公開融資方式取得資金，銀行借款就成為中小企業相當重要的資金來源，然而中小企業由於資訊不對稱問題相對較嚴重，許多中小企業可能無法順利向金融機構獲取足夠資金，過去已有許多國外文獻支持銀行往來關係有助於減輕借貸市場資訊不對稱現象，此種現象可能對中小企業而言尤其重要，因此本文針對台灣已取得銀行授信的中小企業，探討銀行往來關係會如何影響中小企業的擔保要求、與融資額度等借款條件，並討論銀行進行授信時，是否可由企業既有的銀行關係的選擇觀察出企業的授信風險，同時驗證企業與銀行業務往來越密切，對於銀行控管企業授信風險是否能有顯著助益。 本文的銀行關係的討論著重在借款集中度、往來銀行規模、與銀行監督能力三方面，實證結果發現與單家銀行往來的企業，被要求提供擔保的機會較高，但單家銀行關係的企業比較不會受到融資限制，說明中小企業集中借款，往來銀行由於獨享企業可能帶來的業務利益，私人資訊價值較大，會願意滿足企業的融資需求，然而基於中小企業尋求另一家銀行認可的困難度較高，單一銀行資訊獨佔的優勢，使企業可能反而被要求提供較多擔保品，而多家銀行關係的企業，擔保要求比例雖較低，但是企業卻必須承擔未來申請再融資時，個別銀行貸放意願較低落的風險。在銀行規模的選擇上，由於中小企業對大型銀行的議價能力相對更弱，受到融資限制的可能性較高。在銀行監督能力方面，企業與銀行授信業務項目越多、企業與個人和相同銀行往來，都能顯著降低企業被要求提供擔保的機會，此外，潛在競爭銀行的存在可能可以減輕資訊閉鎖問題，也能降低企業擔保提列的機會。 在授信風險方面，實證結果發現與單家銀行往來的企業，發生異常授信的可能性較低，多家銀行關係且借款來源分散可能是企業品質低落的訊號；企業與銀行授信業務項目越多，能有助於銀行控管企業授信風險，企業發生異常授信的可能性較低，但是企業、個人是否與相同銀行往來並無法做為觀察企業授信風險的指標。 | zh_TW |
| dc.description.tableofcontents | 目錄 第一章 緒論---------------------------------------------1 第一節 研究動機------------------------------------------2 第二節 研究主題------------------------------------------3 第三節 研究架構------------------------------------------5 第二章 文獻回顧-----------------------------------------6 第一節 借款市場資訊不對稱現象----------------------------6 第二節 中小企業的融資特性--------------------------------9 第三節 銀行往來關係對借款條件的影響--------------------14 第四節 銀行往來關係與信用風險------------------------- 26 第三章 研究方法-----------------------------------------29 第一節 資料來源------------------------------------------29 第二節 變數定義------------------------------------------30 第三節 研究假說------------------------------------------38 第四節 實證方法------------------------------------------43 第四章 實證結果與分析------------------------------------47 第一節 樣本描述與敘述性統計結果---------------------------47 第二節 銀行往來關係與擔保要求分析-------------------------53 第三節 銀行往來關係與融資能力分析-------------------------62 第四節 銀行往來關係與授信風險分析-------------------------71 第五章 結論與建議---------------------------------------76 第一節 結論-----------------------------------------------76 第二節 研究限制與建議-------------------------------------81 參考文獻----------------------------------------------------84 表目次 表2.1 中小企業融資特性表-----------------------------------10 表2.2 中小企業、大企業資金來源比重表-----------------------12 表2.3 歷年一般銀行對中小企業放款餘額統計表-----------------13 表2.4 中小企業銀行往來家數概況表---------------------------18 表3.1 總樣本企業與個人授信概況-----------------------------29 表3.2 樣本年度與產業分佈表---------------------------------30 表3.3 中長期放款擔保提列概況-------------------------------32 表4.1 總樣本敘述性統計表-----------------------------------47 表4.2 借款集中度表-----------------------------------------49 表4.3 分類樣本敘述統計表 ----------------------------------52 表4.4 擔保放款比例迴歸結果表-------------------------------54 表4.5 中長期借款是否要求擔保迴歸結果表---------------------55 表4.6 中長期借款是否要求擔保分類樣本迴歸結果表-------------61 表4.7 企業訂約金額迴歸結果表-------------------------------64 表4.8 是否使用個人融資迴歸結果表---------------------------68 表4.9 是否使用個人融資分類樣本迴歸結果表-------------------70 表4.10 企業是否有異常授信迴歸結果表-------------------------75 圖目次 圖4.1 銀行家數次數分配圖-----------------------------------49 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0090357021 | en_US |
| dc.subject (關鍵詞) | 中小企業 | zh_TW |
| dc.subject (關鍵詞) | 銀行往來關係 | zh_TW |
| dc.subject (關鍵詞) | 借款條件 | zh_TW |
| dc.subject (關鍵詞) | 授信風險 | zh_TW |
| dc.title (題名) | 銀行往來關係對中小企業借款條件與授信風險之影響 | zh_TW |
| dc.type (資料類型) | thesis | en |
| dc.relation.reference (參考文獻) | 中文部份 | zh_TW |
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