台商授信評估關鍵影響因子之研究

The Influence Factor of Taiwan-funded banks' credit Management

10.6735/JAFD.201403_7(1).0006

林靜雯(Ching-Wen Lin)；林靜怡(Ching-Yi Lin)；鄭秉宇(Pin-Yu Cheng)

台資銀行 ； 授信業務 ； 授信評估 ； 決策實驗室分析法 ； Taiwan-funded banks ； Credit Business ； Credit Assessment ； DEMATEL

會計與財金研究

7卷1期（2014 / 03 / 01）

99 - 114

繁體中文

由於兩岸經貿政策的逐漸開放，目前已有部分台資銀行陸續登陸，各銀行目前皆積極拓展大陸金融市場以求得先機。而授信業務為銀行最重要業務且因大陸地區授信利差遠高於台灣地區，若能順利掌握先機，各銀行的金融版圖必定重新劃分。本研究使用決策實驗室分析法（DEMATEL）找出台資銀行業在進行對大陸地區台商企業授信中影響授信業務的重要因子並找出各因子間之因果關係與重要性。研究結果發現「有無擔保品」、「放款額度大小」及「借款戶因素」為影響大陸地區授信業務前三項重要因素。「政治風險」在整體衡量指標中最為顯著且為影響其他指標的重要媒介。故建議台資銀行於大陸地區台商企業授信時應先考量「有無擔保品」、「放款額度大小」及「借款戶因素」等因素。而台灣與大陸政府應更積極協商並於平等互惠原則的架構下加速建立兩岸金融交流的相關制度，將政治干預減到最低進而減少兩岸政治風險。

Economic policy across the Taiwan Strait is opening up. At present, some Taiwan-funded banks development in China. Banks are now actively expanding in China's financial markets. The credit business is the most important business of bank. Because the credit spread of China is higher than Taiwan. This study uses DEMATEL investigate Taiwan enterprises credit an important factor affecting credit business and identify the causal relationship and importance between each factor. The results found that ＂collateral＂, ＂lending＂ and ＂loans＂ to influence the China credit business. ＂Political risk＂ is most significant. It is suggested that Taiwan-funded banks in China should first consider the credit ＂collateral＂, ＂lending＂ and ＂loans＂. The government of Taiwan and China should be more actively consulted and in mutually beneficiary basis to establish cross-strait financial exchange system.

1. 林靜雯、吳楊浚(2010)。銀行業營運流程績效關鍵指標之研究。會計與財金研究，3(2)，17-32。
   連結：
2. 施光訓、劉晏孜(2008)。金融專業人才應具備核心能力之研究。文大商管學報，13(2)，47-70。
   連結：
3. Bloechlinger, A.,Leippold, M.,Maire, B.(2012).Swiss Finance Institute Research PaperSwiss Finance Institute Research Paper,未出版
4. Chang, B.,Chang, C. W.,Wu, C. H.(2011).Fuzzy DEMATEL method for developing supplier selection criteria.Expert Systems with Applications,38(3),1850-1858.
5. Chen, J. K.,Chen, I. S.(2010).Using a novel conjunctive MCDM approach based on DEMATEL, fuzzy ANP, and TOPSIS as an innovation support system for Taiwanese higher education.Expert Systems with Applications,37(3),1981-1990.
6. Cheng, C. C.,Chen, C. T.,Hsu , F. S.,Hu , H. Y.(2012).Enhancing service quality improvement strategies of fine-dining restaurants: New insights from integrating a two-phase decision-making model of IPGA and DEMATEL analysis.International Journal of Hospitality Management,31(4),1155-1166.
7. Hai, G.,Lei, S.,Jingying, Z.(2012).Machine Learning Based Hybrid Approach for Credit Assessment.Journal of Computational and Theoretical Nanoscience,9(10),1793-1797.
8. Ho, W. R.,Tsai, C. L.,Tzeng, G. H.,Fang, S. K.(2011).Combined DEMATEL technique with a novel MCDM model for exploring portfolio selection based on CAPM.Expert Systems with Applications,38(1),16-25.
9. Huang, J. J.,Tzeng,G. H.,Ong, C. S.(2005).Multidimensional data in multidimensional scaling using the analytic network process.Pattern Recognition Letters,26,755-767.
10. Lin, C. W.(2011).Risk indicators of e-credit assessment system.International Journal of Electronic Finance,5(3),235-248.
11. Mark, Z.(2011).Hierarchical Partition Approach with Application on Enterprise Credit Assessment.Advanced Materials Research,217-218,57-61.
12. Shieh, J. I.,Wu, H. H.,Huang, K. K.(2010).A DEMATEL method in identifying key success factors of hospital service quality.Knowledge-Based Systems,23(3),277-282.
13. Tamura, H.,Akazawa, K.(2005).Structural modeling and systems analysis of uneasy factors for realizing safe,secure and reliable society.Journal of Telecommunications and Information Technolegy,3,64-72.
14. Tsai, W. H.,Chou, W. C.(2009).Selecting management systems for sustainable development in SMEs: A novel hybrid model based on DEMATEL, ANP, and ZOGP.Expert Systems with Applications,36(2),1444-1458.
15. Tseng, M. L.(2009).A causal and effect decision making model of service quality expectation using grey-fuzzy DEMATEL approach.Expert Systems with Applications,36(4),7738-7748.
16. Wu, W. W.(2007).Choosing knowledge management strategies by using a combined ANP and DEMATEL approach.Expert Systems with Applications,35,828-835.
17. Wu, W. W.,Lee, Y. T.(2007).Selecting knowledge management strategies by using the analytic network process.Expert Systems with Applications,32,841-847.
18. Yang, J. L.,Tzeng, G. H.(2011).An integrated MCDM technique combined with DEMATEL for a novel cluster-weighted with ANP method.Expert Systems with Applications,38(3),1417-1424.
19. 江惠櫻(2001)。碩士論文(碩士論文)。靜宜大學企業管理研究所。
20. 陳家彬、賴怡洵、吳政穎(1999)。台灣地區銀行放款訂價：理論與新舊銀行之實證比較。管理學報，17(3)，415-440。