| 摘要: | 由於經濟持續低迷，借款戶之償債能力大為降低，使得貸款繳納中斷，進而使國內金融機構的不良債權顯著增加，民國90年全體金融機構逾放金額為新台幣13,274億元，逾放比率約為8.16%，而自90年至99年間金融機構已出售之不良債權金額高達14,128億元，其中有擔保之金額為8,102億元。因此可知，處置不動產不良債權的急迫性極重要。但由於我國不動產不良債權處理仍處於發展階段，加上資訊未透明化，不動產不良債權的變賣和處置也受到影響，是以本文藉由探討分析比較美、日、韓之不動產不良債權處置方式，並針對台灣之不動產不良債權處理運作進行調查分析，以探討不動產不良債權處理運作相關課題及對策。
本研究論文共分五章分述如下：
第一章緒論
本章主要說明本研究之動機與目的、範圍與內容、步驟方法與流程。
第二章相關文獻回顧
本章主要透過調查研究美、日、韓之不動產不良債權發生原因、處理模式及處理成效，並做整理比較。
第三章台灣不動產不良債權運作調查分析
本章主要說明台灣不動產不良債權運作之概況，藉由研究台灣金融風暴之成因，並參酌美、日、韓之處理成效，作一整理分析。
第四章台灣不動產不良債權運作發展課題與解決對策
本章針對台灣不良債權運作發展所衍伸之問題及課題作一整理探討，並參酌國外處理之成效，研擬可行對策。
第五章結論與建議
最後為結果討論，做出具體建議，以提供相關業者與政府單位作為參考依據，並提出後續研究建議。
Due to the economic downturn, it greatly reduced the borrower’s ability to re-pay loans and debts. Therefore, the payments are interrupt3e. Loans that were in default also increased significantly for domestic financial institutions. During 2001 the amount of overdue loans to all financial institutions amounted to NTD $1327.4 billion, with NPL ratio of about 8.16%, and from 2001 to 2010 , the amount of default loans has been sold up to NTD $1412.8 billion , which includes NTD $810.2 billion in guarantees . Thus, the urgency to handle the default loans for real estate is very important. However, the process for handling default loans of Real Estate is still in the developing stage, along with limited information, the re-sale and disposal of non-performing loans is also affected by this. This article is to study and compare the methods used by United States, Japan and Korea for resolving issues of non-performing loans. It’s also to investigate and analyze the operation for dealing with non-performing loans in Taiwan and to explore issues related to the operation and the countermeasures.
The following thesis is divided into five chapters:
The first chapter
This chapter is to show the motive and purpose of this study, the scope and content, and the methods and process steps
Chapter II: Review of Related Literature
This chapter mainly investigates the causes of non-performing loans for the United States, Japan, and Korea. It also looks at the treatment patterns ,effectiveness, and comparisons.
Chapter III: Analyze and surveys the operation of non-performing loans in Taiwan Real Estate.
This chapter overviews the operations of Taiwan's non-performing loans profile. Studies show that non-performing loans was caused by the financial turmoil in Taiwan. It also shows the effective treatments from the United States, Japan, and Korea.
Chapter IV: Study the Operation of the development issues and Solutions.
This chapter elaborates and compares questions and the issues of the development of Taiwan's non-performing loans with reference to the effectiveness of treatment abroad, and to develop feasible measures.
Chapter V: Conclusions and Recommendations
For the final discussion , make specific recommendations, to provide relevant industries with the government agencies as a reference, and suggestions for future research. |
