| dc.contributor.advisor | 顏錫銘 | zh_TW |
| dc.contributor.author (Authors) | 莊舒婷 | zh_TW |
| dc.creator (作者) | 莊舒婷 | zh_TW |
| dc.date (日期) | 2009 | en_US |
| dc.date.accessioned | 8-Dec-2010 01:54:11 (UTC+8) | - |
| dc.date.available | 8-Dec-2010 01:54:11 (UTC+8) | - |
| dc.date.issued (上傳時間) | 8-Dec-2010 01:54:11 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0093357017 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/48951 | - |
| 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) | 93357017 | zh_TW |
| dc.description (描述) | 98 | zh_TW |
| dc.description.abstract (摘要) | 本研究探討在眾多影響台灣聯貸案件利率加碼之因素中，借款企業之信用評等是否在金融風暴前後對利率加碼之決定存在顯著變化，同時驗證主導銀行保留額度之多寡是否對台灣聯貸市場案件利率加碼有認證效果(Certification Effect)存在。 研究結果發現，借款企業之信用評等不論在金融風暴前後均對利率加碼存在顯著影響，且金融風暴後影響程度更為顯著，而主導銀行保留額度比率則是在金融風暴後方對新台幣聯貸案件利率加碼存在顯著正向關係。實證結果充份反映出國內銀行在金融風暴後歷經授信策略及行為轉變下，導致借款企業信用評等及主導銀行保留額度多寡對利率加碼之影響程度在金融風暴後明顯有所不同。 金融風暴前，國內資金充裕之環境使聯貸案多能圓滿籌組完成，故主導銀行保留額度比率低；而在金融風暴後，銀行一方面採取緊縮授信政策，但另一方面在須配合三挺政策增加放款之壓力下，轉而在授信審核上更趨嚴格，使借款企業信用評等成為決定聯貸借款利率之更關鍵因素，聯貸市場上形成信用評等良好借款企業之聯貸案利率加碼偏低且獲大幅超額認購，主導銀行保留額度低；但連年虧損、產業前景差或瀕臨紓困企業之聯貸案件，利率加碼偏高且主導銀行須保留極大額度以求順利完成額度募集之現象，故不論金融風暴前後，台灣聯貸市場並無存在主導銀行對利率加碼之認證效果，借款企業本身之信用評等才是決定利率加碼高低之最重要因素。 | zh_TW |
| dc.description.tableofcontents | 第壹章 緒論 5 第一節 研究動機 5 第二節 研究目的 7 第三節 研究範圍與對象 7 第四節 研究架構 8 第貳章 文獻探討 9 第一節 國外相關文獻探討 9 第二節 國內相關文獻探討 14 第參章 研究設計 15 第一節 研究假說 15 第二節 研究方法 18 第三節 變數名稱與定義 19 第四節 研究樣本 23 第肆章 實證分析 26 第一節 資料描述 26 第二節 迴歸分析之結果 43 第三節 實證結果與分析 58 第伍章 研究結論與建議 64 第一節 研究結論 64 第二節 研究限制 65 第三節 後續研究建議 65 參考文獻 66 附錄 69 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0093357017 | en_US |
| dc.subject (關鍵詞) | 聯貸 | zh_TW |
| dc.subject (關鍵詞) | 企業信用 | zh_TW |
| dc.title (題名) | 企業信用及主導銀行認證效果對聯貸價碼之影響 | zh_TW |
| dc.type (資料類型) | thesis | en |
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