Please use this identifier to cite or link to this item: http://hdl.handle.net/11455/20763
標題: 銀行往來關係對授信條件影響之研究
A Study on the Effect of Banking Relationships to the Loan Terms
作者: 呂靜芬
Lu, Chin-Fen
關鍵字: banking relationship;銀行往來關係;loan term;single banking;multiple banking;授信條件;單一往來關係;多重往來關係
出版社: 企業管理學系所
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摘要: 
本研究主要分成三部份探討銀行往來關係對授信條件之影響,首先探討二者間的相關性,其次探討單一及多重往來關係對於授信條件的影響,最後則探討在不同的企業經營特性之下,其銀行往來關係對於授信條件影響之差異。本研究樣本係取自某全國性且上市商業銀行企業金融中部區域中心之企業授信戶,以民國94年單一年度為樣本期間,共計317個樣本。

本研究之實證結果發現,當企業往來銀行的家數越多、企業為銀行利率議價客戶、銀行對企業貸款比例越大以及銀行越為企業的主力銀行時,則企業取得的授信額度會越高;而當銀行越為企業的主力銀行時,則企業取得的授信期間會越長;當企業為銀行利率議價客戶以及銀行對企業貸款比例越大時,則企業取得的借款利率會越低;當企業和銀行的往來年數越長、企業為銀行利率議價客戶時,則擔保比例會越低,且企業為銀行利率議價客戶時,所需保證人人數越少。

此外,企業採取多重的銀行往來關係,也就是除借款外和銀行有更密切的關係往來,能取得較好的授信條件,在擔保比例和保證人人數方面都較單一往來關係來的低。而在考慮不同的企業經營特性時,本研究發現經營年數較短、無公開信用評等、規模較小以及無上市櫃之公司,和銀行維持多重的往來關係能取得較好的授信條件,此部分較經營年數長、信用評等佳且大規模之企業來的更顯著。
URI: http://hdl.handle.net/11455/20763
其他識別: U0005-1707200821052100
Appears in Collections:企業管理學系所

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