| 摘要: | 由於兩岸經貿政策的逐漸開放，目前已有部分台資銀行陸續登陸，各銀行目前皆積極拓展大陸金融市場以求占得先機，而授信業務為銀行最重要業務；且因大陸地區授信利差遠高於台灣地區，若能順利掌握先機，各銀行的金融版圖必定重新劃分。
本研究使用決策實驗室分析法(DEMATEL)，找出台資銀行業在進行對大陸地區台商企業授信中，影響授信業務的重要因子，並找出個因素兼之因果關係與重要性。研究結果發現，「有無擔保品」、「放款額度大小」及「借款戶因素」為影響大陸地區授信業務前三項重要因素，「政治風險」在整體衡量指標中，最為顯著且影響別的指標比被其他指標影響還多，為影響其他指標的重要觸媒。故建議台資銀行於大陸地區台商企業授信，應先考量「有無擔保品」、「放款額度大小」及「借款戶因素」等因素；而台灣與大陸政府應更積極協商，以平等互惠原則的架構下加速建立兩岸金融交流的相關制度，將政治干預減到最低，以減少兩岸政治風險。
本研究將各關鍵因子未來在授信實務上可能發生的影響，加以分析並逐一給予改善的建議，希望依據研究結果提供國內銀行業者辦理大陸台商授信業務可行的建議，達到能放也能收，確實掌握風險，創造利潤。
Since the opening up of cross-strait economic and trade policies, some Taiwan-based banks have already landed, the banks are now activelyexpanding the mainland financial market in order to upper hand, and credit business for the bank's most important business, and credit spreads due to the mainland much higher than in Taiwan, that the successful grasp opportunities, banks must re-division of the financial landscape, this study decision-making laboratory analysis (DEMATEL), look for the introduction of capital on the mainland banking sector during the credit business in Taiwan, important factor affecting the credit business, and to identify factors and the causal rela-tionship and importance.
The results found that "with or without collateral," "loan amount size" and "borrowing house-hold factors" affecting the mainland before the three important factors in credit business, "political risk" in the overall measure, the most significant and the impact of other indicators than to be af-fected more than other indicators, as an important catalyst affect other indicators, it is suggested that Taiwanese banks in mainland China Taiwan business credit, you should consider "whether the col-lateral," "loan amount size" and "borrowing household factors" and other factors, Taiwan and the mainland government should be more active consultation with the principles of equality and mutual benefit under the framework of cross-strait financial exchanges to accelerate the establishment of related systems, will minimize political interference in order to reduce cross-strait political risk, the key factor in this study in the future credit possible impact on practice, to analyze and give sugges-tions for improvements one by one, hope the findings based on the domestic banking sector by pro-viding credit for mainland-based Taiwanese business viable proposals to be put can receive, under-stand exactly what risk and make profits |
