DC 欄位 值 語言 DC.contributor 財務金融學系在職專班 zh_TW DC.creator 謝伯鴻 zh_TW DC.creator Po-Hung Hsieh en_US dc.date.accessioned 2023-7-20T07:39:07Z dc.date.available 2023-7-20T07:39:07Z dc.date.issued 2023 dc.identifier.uri http://ir.lib.ncu.edu.tw:444/thesis/view_etd.asp?URN=110458030 dc.contributor.department 財務金融學系在職專班 zh_TW DC.description 國立中央大學 zh_TW DC.description National Central University en_US dc.description.abstract 本研究分析政策性勞工紓困貸款逾期放款的決定因素；以2020年COVID-19疫情期間，由勞動部推出首次勞工紓困貸款為研究，採用國內A銀行B分行之151件勞工紓困貸款資料為樣本。實證結果顯示借戶特徵中之年齡、評分對核貸與否具有負相關，另與有信用瑕疵呈現正相關；此外發現年齡越長、學歷高中、無扶養子女、職業如屬受疫情影響產業、沒有信用卡及使用信用卡循環對於逾期放款皆呈現正相關。 zh_TW dc.description.abstract This study analyzed the determinants of late disbursement of policy-based labor relief loans. The study was conducted during the COVID-19 epidemic in 2020, when the first labor relief loan was launched by the Ministry of Labor, using a sample of 151 labor relief loans from Branch B of Bank A in Taiwan. The empirical results showed that age and score were negatively correlated with loan underwriting, and were currently correlated with credit blemishes; in addition, older age, high school education, no dependent children, occupation in an industry affected by the epidemic, no credit card, and credit card cycle were all found to be correlated with late lending. en_US DC.subject 勞工紓困貸款 zh_TW DC.subject 違約風險 zh_TW DC.subject Labor relief loans en_US DC.subject default risk en_US DC.title 政策性勞工紓困貸款違約分析-以A銀行B分行為例 zh_TW dc.language.iso zh-TW zh-TW DC.type 博碩士論文 zh_TW DC.type thesis en_US DC.publisher National Central University en_US