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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/122273


    Title: 線上融資平台與傳統商業銀行企業放款徵信方法之差異-以星展(台灣)銀行及OnDeck為例
    A comparative analysis of lending service between traditional banks and online lending platforms
    Authors: 齊孝昕
    Chi, Eric
    Contributors: 尚孝純
    Shari, Shang
    齊孝昕
    Chi, Eric
    Keywords: 線上融資平台
    貸款決定
    OnDeck
    星展銀行
    比較分析
    Online lending platform
    Lending decision
    OnDeck
    DBS Bank
    Comparative analysis
    Date: 2018
    Issue Date: 2019-02-12 15:44:31 (UTC+8)
    Abstract: Deposit and lending is a fundamental function of a bank. A core competiveness of a banker is the ability of minimizing a borrower’s credit risk. In current traditional banking system, lending decision is a time-consuming process and requires a mountain of documents.
    However, with the advancement of information technology and the use of smart data analytics, various data could be collected from public authorities and social media and analyzed from different perspectives. The process of decision-making for credit approval has changed greatly in some online lending platforms.
    This study strives to answer the questions of “Why banks and online lending platforms perform differently in operation?” Areas in the size of facility, risk management and pricing quotation will be examined.
    The study results revealed that banks have better capability in risk management and complicated deals can be handled. On the other hand, online lending platforms have better efficiency but charge a relatively higher interest margin and facility fee.
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    Description: 碩士
    國立政治大學
    國際經營管理英語碩士學位學程(IMBA)
    105933024
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0105933024
    Data Type: thesis
    DOI: 10.6814/THE.NCCU.IMBA.004.2019.F08
    Appears in Collections:[國際經營管理英語碩士學程IMBA] 學位論文

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