On Dealing with Non-performing Loans of Financial Institutions

[[abstract]]銀行常因爭取客戶而忽視信用風險危機。若遇景氣低迷及金融機構的逾期放款上升，銀行之貸放意願趨於保守，造成企業資金取得不易，對經濟之衝擊更大。因此，如何有效預防逾期放款發生及加速清理金融機構不良債權，為國內金融機構與政府不容忽視問題。本研究探討金融機構對於逾期放款之預防及不良債權處理機制，以恢復整體銀行信用及維護社會經濟秩序。[[abstract]]Banks often overlook risks in pursuing customers In case of economic downturn and rising overdue loans bank lending tends to be conservative resulting in funding shortages for businesses with great impacts on the economy Therefore preventing the occurrence of overdue loans and accelerating the handling of nonperforming are important issues for the government This paper explores the ways to prevent overdue loans and the handling of nonperforming loans restoring the overall financial health of banks and socio-economic orde