English  |  正體中文  |  简体中文  |  Post-Print筆數 : 11 |  Items with full text/Total items : 88987/118693 (75%)
Visitors : 23569750      Online Users : 182
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    Please use this identifier to cite or link to this item: http://nccur.lib.nccu.edu.tw/handle/140.119/8832


    Title: 我國不良資產處理方式之研究
    Other Titles: Disposition of the Non-Performing Loans in Taiwan
    Authors: 邱國勳;張金鶚
    Chiu, Kuo-Hsun;Chang, Chin-Oh
    Keywords: 不良資產;資產管理;法拍屋;銀行拍賣
    collateral;non-performing loan NPL;asset management company AMC;foreclosure;auction
    Date: 2003-01
    Issue Date: 2008-11-18 09:54:15 (UTC+8)
    Abstract: 近年來銀行逾期放款總額劇增,連帶使銀行產生處理龐大不動產擔保品之難題。本文目的在對擔保品進行分類並選擇適當處理方式,以減輕銀行損失。文中以個案財務分析模擬方式之結果將擔保品分成三類:若擔保品有二拍前拍定之特徵屬性傾向時,銀行可考慮採法拍處理;若銀行評估擔保品有第三拍拍定者之特徵屬性傾向時,則此類擔保品可採銀行自行委託拍賣處理;若銀行評估擔保品有四拍後拍定者之特徵屬性傾向時,則可考慮讓售給資產管理公司處理。 實證結果發現,二拍前拍定擔保品之特徵屬性可能為非多層或多號使用,或有增建使用,或建物面積持分傾向為中坪數者,或建物類型為普通公寓,或位於市區,或有可點交之屬性者。而第三拍拍定擔保品可能之特徵屬性為位於五樓以上,或非多層或多號使用,建物類型或為普通公寓,位於郊區,或為可點交之屬性者。四拍後拍定之擔保品特徵屬性可能為位於一樓,或有多層或多號使用情形,或建物面積持分為小坪數者,或建物類型為一般大廈,或位於舊市區,或有不可點交之屬性者。因此未來銀行可對不良資產依特徵屬性分類後,再採適當方式處理,較能減少損失並達成促進資金流通與健全金融機構之目標。
    Recently, the non-performing loans have become serious problems due to the trouble of the real estate collaterals faced by the financial institutions. This research aims on helping the banks to deal with the collaterals and reduce the loss of banks. According to the financial simulation, the collaterals are divided into three groups: 1.for the collaterals having the characters which the objects sold before the second bid had, the financial institutions could take the way of legal auctions; 2.for the collaterals having the characters which the objects sold on the third bid had, the financial institutions could take auction by themselves; 3.for the collaterals having the characters which the objects sold after the special (fourth) bid had, the financial institutions may consider to sell the, asset management company (AMC). From the empirical results, we found that the characters of the collaterals sold on and before the second bid include single floor use, extension building, city area, supervision unit, and middle space. The characters of the collaterals sold on the third bid include 5-story and higher, rural areas, and supervision unit. The characters of the collaterals sold on and after the special bid include small space, lower-rise apartment, old city, and non-supervision unit. Thus, in the future, the collaterals could be separated by the above three categories and the financial institutions can make the better decision to reduce their loss.
    Relation: 管理評論, 22(1), 75-97
    Data Type: article
    Appears in Collections:[地政學系] 期刊論文

    Files in This Item:

    File Description SizeFormat
    land_269.pdf1658KbAdobe PDF1347View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告
    1.本網站之數位內容為國立政治大學所收錄之機構典藏,無償提供學術研究與公眾教育等公益性使用,惟仍請適度,合理使用本網站之內容,以尊重著作權人之權益。商業上之利用,則請先取得著作權人之授權。
    2.本網站之製作,已盡力防止侵害著作權人之權益,如仍發現本網站之數位內容有侵害著作權人權益情事者,請權利人通知本網站維護人員(nccur@nccu.edu.tw),維護人員將立即採取移除該數位著作等補救措施。
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback