Please use this identifier to cite or link to this item: http://hdl.handle.net/11455/92417
標題: 銀行往來關係與公司股權結構對長期貸款授信條件之影響
The Effect of Lending Relationship and Enterprise's Ownership Structure to the Long Run Loan Terms
作者: Yu-Hsiu Cheng
鄭伃秀
關鍵字: 長期貸款;授信條件;銀行往來關係;股權結構;long run loans;loan term;bank lending relationship;enterprise's ownership structure
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摘要: 
間接金融占現今企業資金來源的七成以上,因此影響銀行授信條件的因素是相當受到重視的,本研究以台灣1992至2014年為研究期間,目的主要是探討關係型貸款,從公司和銀行往來關係與股權結構兩個構面,探討對長期貸款授信條件的影響。在往來關係中,以一新創變數-銀行借款比率,單一銀行借款金額占總借款金額之比率,衡量對授信條件的影響,且國內過往文獻未從股權結構對銀行授信條件做過探討,本研究始之。實證結果顯示,銀行貸款比率呈現顯著影響,可為影響授信條件之重要變數;此外實證發現,當與銀行借款比率愈高、往來時間較短,董監事持股比率愈高、金融機構持股比率愈高、政府持股比率愈高,則授信條件愈佳。

This study's purpose is analyzing which affect long-term relationship loan term from two perspectives, bank lending relationship and enterprise's ownership structure. In the bank lending relationship perspective, there's new variable to analyze, share of wallet, which is loan amounts company borrowing from the specific bank divided by from all banks. This ratio could be used to measure the loan concentration of the company or exclusive of the bank. Besides, studies in Taiwan about enterprise's ownership structure always focused on company value, company achievement or the cost of debt. This study start from bank loan term,
The result is when the share of wallet is higher, the cumulate time contacting with the specific bank is shorter, the percentage of the board of directors and supervisors holding is higher, the percentage of the financial institutions holdings is higher, and the percentage of Taiwan government holding is higher, the long-term loan terms are better.
URI: http://hdl.handle.net/11455/92417
其他識別: U0005-2906201522211000
Rights: 同意授權瀏覽/列印電子全文服務,2018-07-08起公開。
Appears in Collections:財務金融學系所

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