政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/136432

政大機構典藏 > 商學院 > 國際經營管理英語碩士學程IMBA > 學位論文 > Item 140.119/136432

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Title:	檢查 GECCU 的信貸承銷流程和貸款賬戶的監督，以確定其不良貸款的原因並打擊其不良貸款 Examining GECCU`s credit underwriting processes and the supervision of loan accounts to determine causes of, and combat its non-Performing loans
Authors:	施力祺 Haynes, Ricky
Contributors:	郭維裕 Kuo, George 施力祺 Ricky Haynes
Keywords:	信用合作社不良貸款信用評價擔保監督 credit union non-performing loans credit appraisal underwriting supervision
Date:	2021
Issue Date:	2021-08-04 15:05:50 (UTC+8)
Abstract:	In St. Vincent and the Grenadines (SVG), many businesses are experiencing growing portfolio of NPLs and The General Empowerment Co-operative Credit Union (G.E.C.C.U.) is not exempted. This study revealed that G.E.C.C.U. has an accelerating trend of incidence of non-performing loans (NPLs). The findings also revealed that the business sector in SVG has the most prevalent incidence of NPLs. Further, results showed that credit appraisal techniques, inadequate monitoring, business failure, poor weather conditions, unfavourable interest rate, and wilful default among others are factors accounting for the problem of NPLs at G.E.C.C.U. However, credit appraisal techniques, inadequate monitoring and business failures deemed the three major factors for such growing problem at the credit union. The study therefore focuses on examining G.E.C.C.U.’s credit underwriting processes and the supervision of loan accounts to determine causes of, and combat its NPLs. Additionally, the study is specifically geared towards ascertaining the trend of incidence of NPLs, the sector(s) with the highest incidence of NPLs, identifying factors contributing to the incidence of NPLs, evaluating the credit underwriting processes and supervision of loan accounts at G.E.C.C.U., while, endorsing implementable strategies and solutions to mitigate NPLs. The study evidently showed that the growing problem of NPLs at G.E.C.C.U. was as a result of poor credit underwriting processes and inadequate supervision of loan accounts, however, the state of the economy, such as business failures, are prime factors of non-performing loans.
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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) 108933038
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0108933038
Data Type:	thesis
DOI:	10.6814/NCCU202100830
Appears in Collections:	[國際經營管理英語碩士學程IMBA] 學位論文

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