The Assurance of Safety and Profitability for Loans of Small and Medium Enterprises Using Efficient Credit Process

[[abstract]]由於政府積極地輔助中小企業融資，因此銀行對中小企業的放款金額有不斷上升的現象。為減少中小企業違約授信並且降低銀行呆帳率，銀行應同時採用財務構面及非財務構面以進行授信業務的審核。另外，銀行也應利用作業管理機制以建立早期危機預警處理模式。為了防止銀行不良債權發生，進而提昇銀行的健全經營，本研究主要在探討銀行授信開發及管理流程並且確立授信人員對授信案件審核之方向。本研究說明了明確的授信政策以及合理機動的授信管理制度將可提升授信品質，因此可確保銀行在穩定成長的業務量中安全的獲利。[[abstract]]Since government positively helps finance small and medium enterprises (SMEs) the bank loans for SMEs continuously increase In order to reduce loan violations of SMEs and reduce bad debt of banks banks should simultaneously use the financial surface and the non-financial surface to conduct the review of credit procedures Meanwhile banks should use the job management mechanism to establish early time crisis In order to prevent the occurrence of bad claim imperceptibly and to improve the robust operation of banks this thesis mainly discusses the credit development and the credit management flow This thesis shows that unambiguous credit policy and reasonable credit control system should enhance credit quality and guarantee banks make safe profits in the stable growth busines