銀行對企業融資風險管理_以D銀行為例

Abstract

本研究透過個案實例瞭解D銀行營運狀況與財務狀況，透過D銀行的案例與觀察 2007~2015年之間台灣金融機構(尤其是銀行業)的資料統計中，對於中小企業融資情形，來探討台灣的銀行經由貸款放款的評估運作，對中小企業融資的扮演的重要性。再經由文獻探討金融機構融資評估考量之主要原則與觀點，了解因資訊不對稱，對中小企業造成的融資的困難與問題。綜合歸納後，列舉D銀行對中小企業除了貸放風險與貸放的控管外，主要提供資金營運分析工具，期望能促進借貸雙方融資活動的活絡與往來的深度。

The main purpose of the study is to understand D Bank’s operating conditions and financial situation. In the study, we observed Taiwan's financial institutions movement (especially banks) from 2007 to 2015, and do the case study of D Bank. It is all for understanding banks’ financing strategy on small and medium enterprise (SME) in Taiwan. At the same time, we found banks play an importance role to provide finaicing to SME. The key points are to evalueate SME’s credit and to grant suitable facility amount for SME’s operating. Through the literatures, we also found it is very difficult for SME to obtain financing from banks due to non-opened financial reports. How to strike a balance between SME’s financing needs and banks’ risk mitdigation is the main topic now. The case of D Bank provides an innovation to offer finaincing to SME via working capital analysit. It is definably worth learning.