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    题名: 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
    作者: 齊孝昕
    Chi, Eric
    贡献者: 尚孝純
    Shari, Shang
    齊孝昕
    Chi, Eric
    关键词: 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
    日期: 2018
    上传时间: 2019-02-12 15:44:31 (UTC+8)
    摘要: 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.
    參考文獻: BrymanA. (2012). Social Research Methods. New York: Oxford University Press Inc.
    Chen, D., and Han, C. . (2012). A Comparative Study of Online P2P Lending in the USA and China. Journal of Internet Banking and Commerce .
    DBS. (2017). Annual Report. Taipei: DBS Taiwan.
    DBS. (2018). 中小企業星易貸. https://www.dbs.com.tw/sme-zh/dbs-forms/microloan-form.page
    Karen Gordon Mills and Brayden McCathy. (2014). The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game. Harvard Business School.
    LinKeng-han. (2016). Reserach on Taiwan commercial bank`s detection of financial fraud in China: the use of public information. 國立政治大學.
    OnDeck. (2017). Annual Report.
    OsterwalderAlex, PigneurYves, BernardaGreg, & SmithAlan. (2014). Value Proposition Design. Hoboken, New Jersey: John Wiley & Sons, Inc.
    ParkerG.Geoffrey, AlstyneW. VanMarshall, & ChoudaryPaulSangeet. (2016). Platform Revolution. New York: W. W. Norton & Company, Inc.
    Small and Medium Enterprise Administrationof Economic AffairsMinistry. (2015年3月30日). Standards for Identifying Small and Medium-sized Enterprises. Small and Medium Enterprise Administration, Ministry of Economic Affairs: https://www.moeasmea.gov.tw/ct.asp?xItem=8261&CtNode=530&mp=2
    Wikipedia. (2018). Basel Accords. Wikipedia: https://en.wikipedia.org/wiki/Basel_Accords
    YenChiLi. (2017). JKOS Pay: Challenges of Marketplace Adoption in the Mobile Payment Space. 國立台灣大學.
    Zopa. (2018). https://www.zopa.com/.
    林妙宜. (2001). 公司信用風險之衡量. 國立政治大學.
    林博仁. (2016). Loan default prediction：analyzing P2P lending data on the spark platform. 台北: 國立政治大學.
    梅驊. (2016). The Discussing of the Future Development of P2P Lending in Taiwan by Analyzing the Worldwide P2P Industry. 台北: 國立台灣科技大學.
    經濟部中小企業處. (2017). 2017中小企業白皮書. 經濟部.
    描述: 碩士
    國立政治大學
    國際經營管理英語碩士學位學程(IMBA)
    105933024
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0105933024
    数据类型: thesis
    DOI: 10.6814/THE.NCCU.IMBA.004.2019.F08
    显示于类别:[國際經營管理英語碩士學程IMBA] 學位論文

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