查詢結果分析
來源資料
頁籤選單縮合
題 名 | 臺灣金融體系授信制度之相關研究分析=The Research of the Systems of Taiwan's Financial Auditing |
---|---|
作 者 | 賴科宏; | 書刊名 | 證券金融 |
卷 期 | 68 2001.01[民90.01] |
頁 次 | 頁111-159 |
分類號 | 563.1 |
關鍵詞 | 臺灣; 金融體系; 授信制度; |
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,不但席捲了整個亞洲的主要經濟體, 甚至連北美洲、拉丁美洲、俄羅斯及歐洲也都受到波及。雖然台灣在此次風暴中相較於其他 的亞洲國家而言來得受創較輕,但是此次亞洲金融風暴對台灣經濟體系的衝擊,卻是使得國 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,以獲取高額的利潤所衍生的相關問題」......等等。這些問題的發生,在在都顯 示國內在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,予以做完善配套的設計,使得對這些企業進行融資貸款的銀行,因此壞帳高築,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 rum)。 從相關的國內外文獻回顧中,作者欲在模型設計上以Bose and Cothren(1996)的文獻 作為主要架構,同時修正Diamond and Dybvig(1983)對防止銀行發生擠兌的作法-「銀行 有對存款戶中止兌現存款的權力」,加入銀行會向申貸者要求抵押品的機制,參酌Lucas(1 992)對誘因相容限制式之設計,並嘗試以汪淑媛(1996)的實證觀點的探討模型中相關變 數之增減對銀行與企業間所存在資訊不對稱問題之相互影響關係。由模型的推導與解釋中發 現,當存在單向資訊不對稱的雙方(銀行對投資最終財生產廠商存在資訊不對稱)有相互牽 連的關係時,惟有透過減少資訊不明確的一方(投資最終財生產廠商)在彼此的牽連關係中 投機獲利的機會,始能使雙方所存在之單向資訊不對稱的問題獲得解決。 |
英文摘要 | In the middle of 1997, the Asia Financial Crisis, which was caused by Thailand, assailed both the main economic countries in Asia, and South America, Latin America, Russia and Europe. Although Taiwan was easier hit than other Asian countries in this crisis, many issues also exploded in the duration of the Asia Financial Crisis. For example, the first, the act of banks auditing the firms, 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 the banks which loaned much money to the firms had many bad debts. Some of those banks were shocked heavily in their financial habitudes, and those resulted in many Banks run. In the relation of the articles including foreign and mainland scholar wrote , writer wanted to follow the paper by Bose and Cotren (1996), amended the Diamond and Dybvig's opinions which allowed banks had the power to stoppage for prevent form Banks rum, added the system that banks would asked the firms to pay some mortgages before their loaning, quoting the designed by Lucas (1992) and tried to follow the Wang's positive opinion to desing a model and researched the relationship of the variables of the asymmetric information variances between banks and firms. |
本系統中英文摘要資訊取自各篇刊載內容。