A case study of Black Swan effect on Business Loan
| Autor: | Ke -Yuan Wang, 王科原 |
|---|---|
| Rok vydání: | 2014 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 102 This study is aimed at the impact on bank's evaluation for safety and assurance for loan because a company case (garment industry) comes to credit crisis, which also caused damage to their business image, after applying loan from the bank. Therefore, crisis management mechanism of a company case conducts a risk assessment in order to reduce negative impact on the corporate image, restore confidence of consumers, and gain confidence and financial support of banks. The effect of crediting "Black Swan", a bank's warning utility of crediting, and crediting assessment of decision to a company case's follow-up due loans and planned funding needs help a company case goes through operating crisis. Creditor's claim is guaranteed, and withdraw principal and interest according to schedule. It becomes an all-win situation. This study applies a case study method. In-depth interviews is main way for the research. The target of the research is the process of a bank's decision-making after a bank credits a company case which comes to credit crisis. Crisis management measures taken by a company case and significant impact on the company's operation are thoroughly studied. The effect of crediting "Black Swan", the credit assessment and considerations for decision-making are analyzed. A company case's overall financial conditions before and after the incidence are taken as a comparison. According to final overall conclusion of the research, banks are provided for a reference to make quick and correct decision when facing the situation like crediting "Black Swan". To reach a successful case of business credit, it is necessary for banks to understand what the companies are doing, what they are investing, how their state of operation and finance are, and if they trade on equity or not. Industry development trends and outlook also need to be evaluated. Banks take advantages of investigation skills to find out problems. Banks clarify on the issues and risk of credit evaluation by one of the principles, such as credit examination. After crediting a company case, banks start out dynamic management and checking, and then handle re-examination and credit precautions to find out adverse factors beforehand. Emphases on this research are listed as follow: 1.When companies come to credit crisis, banks start out credit evaluation and control follow-up lending procedure. 2.The key points that banks evaluate for crediting before and after the crisis happens. 3.Analysis of the financial benefit of a company case before and after the incidence happens. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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