what factor will affect the bank to deal with the financial crises company:Analysis from loan data

[[abstract]]本研究討論三個假說，假說一：當危機公司的債務狀況、營運狀況越差，銀行越可能以非協商的方式解決。假說二：危機企業的借款銀行若多來自公營銀行，該類則其傾向以非協商的方式解決財務危機公司。假說三：若危機企業的借款契約中擔保品為不動產，且不動產的價值越高，銀行越可能採取非協商協議作為解決方式。 本文使用公司樣本為77家，借款契約數3,250筆，研究發現當危機公司的債務狀況、營運狀況越差，銀行越可能以非協商的方式解決；危機企業的借款銀行若多來自公營銀行，該以協商的方式解決的危機公司其借款金額高於以非協商方式解決的公司；若危機企業的借款契約中，擔保比率越高、不動產的價值越高，銀行越可能採取非協商協議作為解決方式。[[abstract]]This study discusses three hypotheses, hypothesis 1: When a crisis company's debt is bad , the worse the operating conditions, the more likely banks to non-negotiated settlement. Hypothesis II: when the loan come from public banks, the bank tend to resolve the financial crisis by liquidation. Hypothesis 3: If the company uses real estate for collateral, and the higher the value of real estate, banks more likely to take non-negotiation protocol as a solution. This study use 77 samples and the company's loan agreement document number 3,250, found that When a crisis company's debt is bad , the worse the operating conditions, the more likely banks to non-negotiated settlement ; when the loan come from public banks, the bank tend to resolve the financial crisis by liquidation; If the company uses real estate for collateral, and the higher the value of real estate, banks more likely to take non-negotiation protocol as a solution.[[note]]碩