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題 名 | 本土性金融風暴之研究分析=Indigenous Financial Crisis |
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作 者 | 賴科宏; | 書刊名 | 經社法制論叢 |
卷 期 | 27 2001.01[民90.01] |
頁 次 | 頁59-96 |
分類號 | 562.192 |
關鍵詞 | 本土性金融風暴; 銀行擠兌; 道德危機; 交叉持股; Aboriginality financial crisis; Bank run; Moral hazard; Mutual holding; |
語 文 | 中文(Chinese) |
中文摘要 | 1997年下半年由泰國引爆的亞洲金融風暴,使得國內引爆多年來許多潛在的經濟問題,諸如:「銀行對企業授信業務的徵信不確實,以致銀行逾放及壞帳款項大增」、「企業利用交叉持股與借殼上市的財務運作手法,進行高度的財務槓桿操作,以獲取高額的利潤」……等等所衍生的相關問題,許多學者稱之為『本土性金融風暴』。這些問題的發生,在在都顯示國內面臨金融業務逐步自由化、國際化的同時,相關的運作機制、制度與法規並未隨之更迭,予以完善配套的設計,也因此國內開始會有許多企業因本身財務結構不健全而導致週轉不靈、跳票、倒閉的狀況頻頻發生。而這種現象影響所及,不但使得許多企業負責人的信用破產,更使得對這些企業進行融資貸款的銀行,也因此而壞帳高築,甚至重創銀行本身的財務結構,致使某些銀行遭受多次的擠兌風潮(Bank run),而波及其上市、上櫃公司股票的股價,進而影響股市投資人的投資計畫與所得……等。因此,作者希冀藉由此篇文章,揭露現今金融體制的弊病並提出可行的改善之道,俾利政府與銀行可以即時防範這些弊病繼續對臺灣經濟造成傷害。 |
英文摘要 | In the middle of 1997, the Asia Financial Crisis, which was caused by Thailand, Taiwan was easier hit than other Asian countries in this crisis, but many issues also exploded in the duration of the Financial Crisis, which many scholars called "Aboriginality Financial Crisis". For examples, the first, the act of banks auditing the fires, which wanted to borrow from banks, was enforced incertitude. Second, the firms took the way of mutual holding or other illegal ways to make much money by the high financial lever, and result in many problems in the economic and financial exchange system. Those problems showed that in the same duration of that the economic habits of Taiwan toward to free financial and international, the related financial laws and systems et cetera were not designed well, so induced many firm's owner had had credit because of their ill-financial structures and had caused their companies closed. Then, the banks that loaned money to those firms had many had debts. Some of those banks were shocked heavily in their financial habitudes, and those resulted in many "Banks run". The way made the price of those banks' stocks shut down and influenced the investment plan and their disposable income of the investmentor in the stock market. So, the writer wants to write down the disadvantage of financial system and let government and bank can prevent the economics of Taiwan from the leakage of the actual financial system. |
本系統中英文摘要資訊取自各篇刊載內容。