| 摘要(英) |
With the trend of global finance liberalization and internationalization, in 80th and 90th, the financial policies of Taiwan tend to be free gradually. There were 16 banks joining the financial market at the same period, after that, the competition of the banking business have faced the pressure that never had. Especially, the traditional corporate loan, the challenge became very intensive. After 2004, there were some problems happened in consumer banking and wealth management, which led the banking business to enhance the portion of corporative banking. Moreover, the bank faced serious issues on the interest profit reduction and the violation risk increasing. Under this condition, how to implement five principles of banking credit became the challenges to banking system. In this research with TAK TECHNOLOGY CO., LTD as the practical case study, by means of case study, try to discuss how the local banks deal with corporate finance under the stationary credit evaluation system model, the potential faults in the decision progress, and how to enforce the industrial credit risk evaluation and risk management system. In this case study as industrial banking credit evaluation and risk management, I offer the existing disadvantages that local banks in Taiwan dealing with corporate loan as followed:
1.The bank lending evaluation and investigation only concern about balance sheet, income statement, and related analysis at present. The financial groups usually not notice the cash flow analysis and lack the concepts of free cash flow.
2.The conclusion of external assessment is the first barrier for first loaning, not concern importantly when dealing with the loaning extension. Under this condition, when the new or elder application cases meet the difference of assessment or judgment standard, the banking systems will exposure high credit risk.
3.In the judging process, the banks do not concern the internal credit assessment during the credit evaluation and examination. There has no obvious connection between approving and rejection in the results of credit evaluation and lending cases.
4.The system of internal credit evaluation lost the function of pre-warning.
5.The double checking and tracking management do not execute exactly after the bank lending, and the effect of motive management do not work as well.
6.When the business model or management of the loaning clients change significantly , the financial systems still examine as short-term lending case to do the credit evaluation. They do not notice the clients and track the effects of business operation frequently.
Secondly, the banks should take the strategies or actions to strengthen credit evaluation and the system of risk management as follows:
1.The banks must execute the analysis of cash flow exactly and build the concepts of free cash flow.
2.They should enforce the motive management after lending, must process the credit evaluations per season. After the sectors of risk management in headquarter conclude the evaluated the information, they should inform the branches to reduce the credit risk.
3.The related research sectors should take more concern for the client’s reputation and future industry development, especially when the clients change their business model.
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