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| Title: | 授信人員所重視借款企業的智慧資本—以某銀行法金授信部門為例
Lending personnel`s emphasis on intellectual capital of borrowing enterprises: an example of the corporate banking department in a bank |
| Authors: | 劉兆晉
Liu, Chao-Chin |
| Contributors: | 王文英
劉兆晉
Liu, Chao-Chin |
| Keywords: | 法人金融
授信
智慧資本
Corporate banking
Credit
Intellectual Capital |
| Date: | 2023 |
| Issue Date: | 2023-07-06 16:50:18 (UTC+8) |
| Abstract: | 本研究旨在了解銀行法人金融授信人員於其審核授信案件或決定放款利率時，所注重借款企業的智慧資本以及其透過哪些方式得知及驗證借款企業的智慧資本相關資訊。茲將研究結論彙整如下：
一、授信人員所重視借款企業的智慧資本，依據因素分析加權平均分數由高至低分別為「市場份額與信評」、「對風險的控管與處理」、「研發成果」、「重要合作夥伴」、「創新意願」、「生產效率與產品品質」、「高階經營團隊」、「智慧財產權」、「研發人員」。
二、相較於借款企業依照法規自行揭露的公開資訊，授信人員較偏好自行詢問借款企業或是訪廠等第一手資訊以得知借款企業智慧資本。
三、現今資訊相較以往容易取得，授信人員可透過獨立第三方的專業報告、銀行內部大數據系統、政府建置的公開資訊網站驗證借款企業所言是否為真。
This study aims to understand the intellectual capital that corporate banking lending personnel believe it’s important for reviewing credit line and deciding interest rate. Besides, how lending personnel acquire and verify information. The conclusions of this study are summarized as follows:
1. Lending personnel place importance on the intellectual capital as follows which ranked by weighted average scores obtained from factor analysis. "market share and credit ratings", "risk control and management", "R&D achievements", "important partnership", "innovation willingness", "production efficiency and quality", "senior management team", "intellectual property", and "R&D personnel".
2.Compared with public information disclosed by borrowing enterprises according to regulations, lending personnel prefer to obtain and verify information through direct inquiries or factory visits, as they consider such first-hand information to be more reliable.
3. In today`s digital age, information is more accessible than ever before. Lending personnel can verify the information disclosed by borrowing enterprises through independent third-party reports, internal big data systems within the bank, and publicly available information on government websites. |
| Reference: | 一、中文文獻
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| Description: | 碩士
國立政治大學
會計學系
110353046 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110353046 |
| Data Type: | thesis |
| Appears in Collections: | [會計學系] 學位論文
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