公司營運之良窳攸關銀行授信決策，乃至投資人之投資意願，然因為資訊的不對稱性，使得外部人員對於公司實際營運概況無法全盤了解，為協助外部人員熟悉公司營運、獲利與投資決策之優缺，亟待建立一具預測與鑑別能力之財務預警模型。本研究係以授信結果，反推該授信行為之影響變數為何，並採用Logit以及Multinomial等二種迴歸模型，分別建構該授信行為之模式，研究樣本係由○○銀行桃竹區525家客戶中，93年之財務資料與非財務資料進行分析，比對最終之審核結果，得出○○銀行之授信行為模式，與各變數間之相關程度，藉以提供銀行降低授信決策之參考。 Quality of matter bank the company transport business gives the letter decision making, and even investment of wish the investor, however because of the information dissymmetry, causes exterior personnel to be unable regarding the company actual transport business survey overall to understand, for assists exterior personnel to be familiar with the company transport business, to make a profit with the investment decision-making superiorly lacks, urgently awaits to establish a forecast and finance of early warning model other ability. This research is uses the Logistic return model to construct the construction finance early warning model, the research sample is by the ○○ bank mid-area 500 customers in, carries on the analysis to 2004 financial material with the non- financial material, compares to finally the verification result. Obtains the ○○ bank to give the letter behavior pattern, with during various variables the relativity, provides the bank to reduce gives reference the letter risk.
