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Title page for etd-0726117-102510


URN etd-0726117-102510 Statistics This thesis had been viewed 1772 times. Download 0 times.
Author Meng-hao Cheng
Author's Email Address No Public.
Department Management Business Administration
Year 2016 Semester 2
Degree Master Type of Document Master's Thesis
Language zh-TW.Big5 Chinese Page Count 76
Title EXPLORING DETERMINANTS OF COMMERCIAL BANKS NEGOTIATED MARGIN ON LOAN NTEREST RATES—THE CASE OF T BANK IN TAIWAN
Keyword
  • Credit Rating
  • Commercial Banks
  • Loan Interest Rates
  • Negotiated Margin on Loan Interest Rates
  • Enterprise Scale
  • Enterprise Scale
  • Negotiated Margin on Loan Interest Rates
  • Loan Interest Rates
  • Commercial Banks
  • Credit Rating
  • Abstract The interest rates is most concerned by economists comparing to exchange rates, prices, and stock prices because it is most closely related to many economic activities. The interest rates means the cost to use the currency and which directly impacts companies’ investment decision and production approach. The interest rates also influences the exchange rates and then affects import and export. Therefore, the interest rates strongly relates to economic growth or decline and which is also concerned by citizens.
    This study aimed to explore which determinants impact commercial banks’ negotiated margin on loan interest rates. This study targeted the T commercial bank in Taiwan and randomly selected the 300 loan records during from July to December in 2016 to explore how “enterprise scale” and “credit rating” influence negotiated margin on loan interest rates. Besides, the moderating effects of “limit the use of rate”, “the relationship between business groups- year contribution”, “current average deposits last 6 month”, “profitability”, “loan period”, and “collateral attributes” were also discussed.
    The results indicated that there is the significant differences of “negotiated margin on loan interest rates” among the different “enterprise scales”: the larger of “enterprise scale” is, the more of “negotiated margin on loan interest rates”; “the relationship between business groups- year contribution”, “current average deposits last 6 month”, “profitability”, and “collateral attributes” also moderate such direct effects. Besides, there is the significant differences of “negotiated margin on loan interest rates” among the different “credit ratings”: the better of “credit rating” is, the more of “negotiated margin on loan interest rates”; “limit the use of rate” and “collateral attributes” also moderate such direct effects.
    Advisor Committee
  • Tze-hsien Liao - advisor
  • Kun-huang Yeh - co-chair
  • Yun-huei Lee - co-chair
  • Files indicate in-campus access only
    Date of Defense 2017-07-07 Date of Submission 2017-07-26


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