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E87020
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應用模糊理論於中小企業擔保與無擔保放款授信評估表改善之研究
A Study on the Application of Fuzzy Theory for the Improvement of Credit Rating Table for Middle and Small Business Secured and Unsecured Loan by the Bank
1.李樑堅
1.Liang-chien Lee
1.義守大學財務金融學系
1.Department of Finance,I-Shou University
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1.義守大學財務金融學系
1.Department of Finance,I-Shou University
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1.行政院國家科學委員會
1.National Science Council
A.14 計畫執行期間(起):1997-08-01
A.14 計畫執行期間(訖):1998-07-31
A.16 收到日期:1998-11-25
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台灣地區(不含離島)所有金融機構

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C.2 聯絡日期:1999-01-20
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1.義守大學財務金融學系
1.Department of Finance,I-Shou University
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C.7 資料公開日期:1998-08-01
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1.中小企業
2.信用評等表
3.模糊AHP法
1.Credit Rating Table
2.Fuzzy Analytic
3.Middle and Small Business
本研究有鑑於目前信用評等表之缺失,因此擬透過對銀行資深授信人員及中小企業財務主管進行問卷調查,期能經由受訪對象之實務經驗,來協助信用評等表之改善。 由於人類思維中具有模糊及不確定的特性,所以本研究進而藉由模糊理論來整合受訪對象之意見,使得信用評等表之項目、內容及評等方式能重新加以研擬,以提供 作為銀行進行授信評估及中小企業貸款融資的另一層思考方向,並嘗試作為授信評估的參考依據。本研究乃先以因素分析法得到銀行授信人員對中小企業進行授信評 估時主要考量的構面及項目然後再經由模糊 AHP 法獲致各類授信評估構面及項目的權重最後將所有評估項目區分為「財務比率分析項目」及「非財務比率分析項目」,在「財務比率分析項目」方面,透過模糊排序 法與模糊數原理,建立「財務比率分析項目之分數量測系統」,而在「非財務比率分析項目」方面,則透過模糊德菲法及模糊綜合評判,建立「非財務比率分析項目 之分數量測系統」,並藉由模糊排序法及模糊德菲法,建立「授信企業信用等級區分標準」,進而構建「新中小企業信用評等表」之內涵。

Based on the defects of the credit rating table, we investigate the advanced officers of credit rating department on the bank and financial manager of the corporation by questionnaire. We hope to improve the credit rating table through their experience. Besides, because of the fuzziness and uncertainty of human beings, we use fuzzy set theory to integrate the opinions of interviewees about the items and the contents of the credit rating table and evaluation method. According to the result, we also hope to propose another evaluation direction on the credit rating table of business for secured and unsecured loan by the bank. Firstly, the study choose factor analysis to acquire the concerned topics and items on the credit rating table of small and middle business for the credit assessment staff of bank. In addition, fuzzy analytic hierarchy process is used to obtain the specific weight of those considered items and topics. The last, we classify all the evaluation items to\"financial ratio analysis items\"and\"non-financial ratio analysis items\". At the topic of financial ratio analysis items, we establish the measurement system of financial ratio analysis items by fuzzy ranking and fuzzy numbers. And at the other topic of non-financial ratio analysis items, we establish the measurement system of non-financial ratio analysis items by fuzzy delphi method and fuzzy synthetic decision. Besides, we establish the credit grading standard for small and middle business by fuzzy ranking and fuzzy delphi method. Finally, we establish new credit rating table for small and middle business.

D.16 完成檢誤日期:1999-03-15
D.17 預定釋出日期:1999-09-13
D.18 初次釋出日期:1999-09-10
D.19_1 最新版釋出日期:1999-09-10
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10.6141/TW-SRDA-E87020-1
追蹤清單
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