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Dissertations / Theses on the topic 'Bank loan'

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Published: 4 June 2021

Last updated: 25 July 2025

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1

Hu, Yan. "Essays on bank loan contracts." Diss., Temple University Libraries, 2011. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/109975.

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Business Administration/Finance<br>Ph.D.<br>Jensen and Meckling (1976) depict the firm as a nexus of financial contracts that offer optimal mechanisms to mitigate various frictions between agents, e.g., equity holders versus debt holders, principal versus agent, etc. In this study, we focus on two particular types of loan contract, performance pricing and revolving line of credit. Chapter 1 examines how default risk and accounting quality of borrowers affect the likelihood of using performance pricing in bank loan contracts. Consistent with the notion of negative hedging, higher default risk f

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2

Chen, Zhizhen. "Loan securitization, bank risk, and efficiency." Thesis, University of Glasgow, 2018. http://theses.gla.ac.uk/9007/.

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The 2007-09 financial crisis highlighted the devastating impact of securitization on the stability of the banking system. However, studies on securitization are far from sufficient to show the impact on a bank’s performance. To better understand the impact of securitization in order to prevent such crisis to happen again, I study bank loan securitization in this Ph.D. thesis. This thesis aims to provide empirical explanations to answer two dilemmas in securitization literature. First, ambiguous results are presented in the impact of securitization on bank risk. Classic theories suggest that lo

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Lee, Darrell E. "Firm performance and bank-loan revisions : an analysis of bank monitoring." The Ohio State University, 1995. http://rave.ohiolink.edu/etdc/view?acc_num=osu1272993921.

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Park, Jung Chik. "Business cycle and bank loan portfolio performance: empirical evidence from Brazilian banks." reponame:Repositório Institucional do FGV, 2011. http://hdl.handle.net/10438/8903.

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Submitted by Jung Park (jung.park@hotmail.com) on 2012-01-04T16:33:48Z No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5)<br>Approved for entry into archive by Gisele Isaura Hannickel (gisele.hannickel@fgv.br) on 2012-01-04T16:37:33Z (GMT) No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5)<br>Made available in DSpace on 2012-01-04T16:40:34Z (GMT). No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5) Previous

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Khayati, Amine. "Bank Certification Effect on CEO Compensation." OpenSIUC, 2010. https://opensiuc.lib.siu.edu/dissertations/174.

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Contrary to other forms of outside financing, the announcement of a bank loan agreement prompts a positive and significant market return. Throughout the literature, bank loans are deemed special and unique due to multiple benefits accruing to bank borrowers. The short-term positive market reaction is however inconsistent with the long-term underperformance of borrowing firms (Billet et al., 2006). We find that unlike shareholders, CEOs gain from the bank loan relation over the long-term. Specifically, we find that bank loan agreement elicits a significant increase in total compensation through

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Frizell, Julie Dolan. "The Causes and Effects of Commercial Bank Participation in the Federal Home Loan Bank System." Diss., Virginia Tech, 2002. http://hdl.handle.net/10919/29347.

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The 1990s saw significant increases in commercial bank membership in the Federal Home Loan Bank (FHLB) System and extensive growths in FHLB assets and outstanding advances. Since FHLB policies may enable risk-taking behavior by the System's member institutions, this research evaluates the impact of the FHLBs on community bank members, local consumers, and local markets. Results suggest that commercial bank liquidity is enhanced by and managed with the use of System advances, and investments in loans and mortgage-related assets increase with FHLB participation, particularly by small bank membe

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7

Yu, Jiewei. "Loan spreads and unexpected earnings." Columbus, Ohio : Ohio State University, 2007. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1180535745.

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Meder, Anthony Alan. "SFAS 115, Bank Balance Sheet Liquidity and Loan Growth." The Ohio State University, 2011. http://rave.ohiolink.edu/etdc/view?acc_num=osu1312309973.

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9

Ozili, Peterson Kitakogelu. "Bank income smoothing and loan loss provisioning practices in Africa." Thesis, University of Essex, 2017. http://repository.essex.ac.uk/20804/.

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The primary objective of the thesis is to investigate whether African banks use loans loss provisions estimates to smooth reported earnings, and to determine the factors that influence the extent of earnings smoothing among African banks. Earnings smoothing via loan loss provision has been examined in several regions, but the case of Africa remain unexplored in the literature. In the thesis, earnings smoothing is viewed as an earnings management practice while loan loss provisions estimate is considered to be the tool used by African banks to smooth reported earnings. Using African bank data o

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Lim, Chu Yeong. "Three empirical essays on bank accounting." Thesis, University of Manchester, 2013. https://www.research.manchester.ac.uk/portal/en/theses/three-empirical-essays-on-bank-accounting(4cbd4150-4bdb-4947-8759-9bbc9f415563).html.

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This thesis presents new empirical evidence on three important aspects of financial reporting by banks. The thesis consists of an introductory chapter that explains how the three issues are related to each other, three empirical chapters and a final summary chapter. The first empirical chapter studies the effects of accounting conservatism on the pricing of syndicated bank loans. I provide evidence that banks more timely in loss recognition charge higher spreads for the same loan provision. I go on to consider what happens to this relationship during the financial crisis. During the crisis, ba

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11

Ghosh, Sudip. "Risk based capital requirements and the U.S. loan market." Morgantown, W. Va. : [West Virginia University Libraries], 1999. http://etd.wvu.edu/templates/showETD.cfm?recnum=853.

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Thesis (Ph. D.)--West Virginia University, 1999.<br>Title from document title page. Document formatted into pages; contains vi, 175 p. : ill. Includes abstract. Includes bibliographical references (p. 173-175).

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12

Tzeng, Tz-Chi, and 曾子綺. "Study on Bank Loan Market." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/40687797790156826523.

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碩士<br>朝陽科技大學<br>財務金融系碩士班<br>100<br>Following the drastic growth of syndicated loan market, the transactional bank lending has catch up the relationship bank lending from behind and become another major corporate financing method in the bank loan market. This study investigates the relationship between transactional lending and relationship lending from the viewpoint of U.S. public corporations. The main empirical results find that the relationship between these two lending type is affected by the business cycle and contract maturity.

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13

Zeng, Jie-Mei, and 曾介眉. "Overvalued equity and bank loan." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/03280627628215058555.

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碩士<br>輔仁大學<br>企業管理學系管理學碩士班<br>100<br>This study investigates the influence of overvalued equity on bank loan conditions. Furthermore, by conducting the borrower’s long-term performance after bank lending the power of bank monitoring is examined. We introduce the overvalued equity to measure the degree of information asymmetry. As suggested by Jensen (2004, 2005) overvalued equity can be induced by information asymmetry. However, overvaluation itself further leads to some agency costs that further worsen asymmetric information. Using the degree overvaluation as proxy of information asymmetry, t

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Che-IKan and 甘哲禕. "Customer Satisfaction and Bank Loan Contracting." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/4q3vm5.

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碩士<br>國立成功大學<br>會計學系<br>104<br>This research examines whether customer satisfaction is related to bank loans, as measured by the loan spread. Prior articles find that higher customer satisfaction relates to greater financial performance, steadier future cash flow, and lower cost of debt financing. To test our hypotheses, this research employs the American Customer Satisfaction Index (ACSI) database during the period from 1994 to 2015. Furthermore, this paper controls some factors which are associated with bank loan contracting, such as loan and firm-specific characteristics. The results indica

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Nien-YiLee and 李念怡. "Cost Stickiness and Bank Loan Contracting." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/266e28.

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碩士<br>國立成功大學<br>會計學系<br>105<br>Motivated by recent literature regarding that firm’s asymmetric cost behavior brings to several economic effects. This paper offers the evidence that banks will take firm’s sticky costs into consideration when pricing bank loans. To be more specific, firms with stickier cost are charged at higher loan spreads. This finding is consistent with the argument that greater decrease in cash flows due to sticky costs (when sales decline) increases the downside distribution of profit streams, thereby resulting in higher default risk. The results also indicate that the imp

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Huang, Wen-Tsung, and 黃文聰. "The Research of Bank Loan Decision." Thesis, 1996. http://ndltd.ncl.edu.tw/handle/54033866576098903458.

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碩士<br>國立中興大學<br>企業管理學系<br>84<br>80年底新銀行陸續參與營運後,對既存的公營銀行造成競爭上的壓力,尤其明顯表現在放款業務的競爭上.因此本研究以放款為主題,探討公民營銀行在做放款決策時對各因素的重視程度有何差別.本研究以台北縣市內之公民營銀行為研究對象,以問卷的方式進行調查;研究的內容包括銀行內部的授信文化,貸款企業的營業狀況及財務狀況,以及擔保品與間接徵信方面之考量因素.使用的研究方法有因素分析,主成份分析以及Z檢定.在公民營銀行之比較上,本研究計有以下結論:1.在銀行內部因素的考量上,明顯的民營銀行較公營銀行重視主觀的判斷及與貸款企業之關係;2.對於公司面因素之評估,在事業概況方面:公營銀行較重視經營層級的信用;在經營環境方面,公民營銀行重視的程度無顯著的不同;在產銷概況方面,公營銀行較重視公司之存貨及品質管理情形,而民營銀行較重視的則是市場競爭及公司的產品結構;在財務狀況方面:負債比率顯著的較受到民營銀

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Lee, Wu Shu, and 李文池. "A Study of Bank Loan Behavior." Thesis, 1994. http://ndltd.ncl.edu.tw/handle/71329010951308685412.

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Chen, Tzu-Wen, and 陳資雯. "Earnings Management and Bank Loan Contracting." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/70155613379720708533.

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碩士<br>國防大學管理學院<br>財務管理學系<br>101<br>Taiwanese banks have been flourishing in the growing global economy. Consequently, syndicated loans are becoming a vital bank service. In addition to generating profit, this service is a crucial factor when evaluating whether a bank has the capacity to develop internationally. Earnings management has been a popular topic in modern finance; investors perceive the earnings quality of firms as vital information. In this study, we focused on syndicated loan cases in Taiwan. We used 1,001 companies listed in Taiwan Stock Exchange as samples to examine the relation

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Jhuang, Rueishin, and 莊芮欣. "Social Network and Bank Loan Pricing." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/04364544096313279713.

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碩士<br>東海大學<br>會計學系<br>99<br>This study investigates the association between business relationships and firms’ cost of debt. It measured cost of debt in terms of bank loan interest rate, and used the relationship of supply chain and social network to measure business relationship. On supply chain perspective, if the firm’s supplier or customer has bigger size, its interest rates will be lower. The finding indicates that supplier or customer size will influence banks to decide its financing policy. Further, it compares the bank loan interest rates for the major supplier or customer of companies

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Cheng, Ya-Hsin, and 鄭雅馨. "Analyst Overoptimistic of Bank Loan Announcement." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/87378037554317226821.

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碩士<br>國立成功大學<br>國際企業研究所碩博士班<br>96<br>Bank loan is an important source while companies need capital for their corporate purpose or investments. Previous literature suggested that bank loan financing firms experience positive announcement return, with negative long run stock performance (Billet, Flannery, Garfinkel (2006)). From Rajan and Servaes (1997) research, analyst overoptimism is one of reason to explain IPO short run positive and long run negative returns. The short and long run stock returns of bank loan financing firms are similar to IPO issuing firms. Therefore, we use analyst forecas

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Yung, Kuo-Chun, and 容國峻. "Industry Concentration and Bank Loan Spread." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/61255212115663223754.

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碩士<br>國立中興大學<br>財務金融學系所<br>102<br>In this paper, we study whether the bank loan spread would be affected by the firm’s industry structure. Using HHI index as the proxy for product market competition, I find that product market competition has a positive effect on the bank loan spread. The empirical result also shows that more profitability, greater flexibility, higher growth opportunity and larger firms will be benefit a lower loan spread; and levered firms with longer loan maturity will face a higher bank financing cost. Moreover, we separate firms into two parts based on their asset size and

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SUN, CHONG-YAO, and 孫崇耀. "A framework of bank loan DSS." Thesis, 1992. http://ndltd.ncl.edu.tw/handle/08930938690043346425.

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Hsieh, Chi-Yu, and 謝基佑. "Financial Crisis and Bank Loan Operation." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/48r332.

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碩士<br>國立彰化師範大學<br>企業管理學系行銷與流通管理碩士班<br>105<br>The 2008 financial crisis caused significant impacts on global financial markets, and led to enormous shocks to individual financial institutions. The study examined the effects of the 2008 financial crisis on the performance of loan operations undertaken by the Taiwanese financial industry. Using the data of loans of different types provided by Taiwanese native banks of different capital scales from January, 2005 to April, 2012, retrieved from the data base of TEJ, the study employed the methods of correlation analysis and ANOVA to examine the befo

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LIN, HSIN-YI, and 林欣儀. "Business Group and Bank Loan Contract." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/qzsz38.

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碩士<br>國立雲林科技大學<br>財務金融系<br>106<br>This study mainly discusses the degree of influence of the group's corporate structure and bank loan conditions. The empirical analysis uses Taiwan cabinet companies from 2002 to 2014. The least square method regression analysis (OLS) and Logistic regression analysis were used in the research methods, and the industry and annual fixed effects models were added. The empirical results show that: (1) Business Group have high external financing needs. (2) Business Group are considered low-risk firms, so there are better preferential conditions in bank loan contrac

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CHEN, PO-YIN, and 陳柏吟. "Geographical distance and bank loan contract." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/6266d9.

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碩士<br>國立中山大學<br>金融創新產業碩士專班<br>106<br>This study explores whether the distance between the firm and the bank will affect the loan contracts. The regression analysis use the loan spread, the use of the collateral and the value of the collateral as the dependent variable. The empirical results show that as the distance increase, the bank will require more loan spread. In addition to the likelihood of the use of the collateral will decline, and so as the value of the collateral. Furthermore, we explore how bank-related characteristics affect the choice of loans. The empirical results indicate that

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ZHAN, YU-JIE, and 詹郁絜. "Female Directors and Bank Loan Costs." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/7wtyvf.

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碩士<br>國立虎尾科技大學<br>企業管理系經營管理碩士班<br>107<br>According to the literature, female executives tend to adopt more conservative accounting policies, and firms with more conservative accounting will enjoy more favorable loan contract terms (Sundera, Sunderb & Zhang, 2018). In recent years, women have received more and more attention in the workplace. Many countries have also proposed relevant regulations on quotas for female directors, including increasing the proportion of female directors and quotas for female directors. This study intends to further explore whether the existence of female directors

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VY, NGUYEN TRA NGOC, and 阮茶玉薇. "Chemical release and bank loan contracts:Do banks really care about it?" Thesis, 2018. http://ndltd.ncl.edu.tw/handle/wj6ct3.

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碩士<br>元智大學<br>財務金融暨會計碩士班(財務金融學程)<br>106<br>This study examines how a firm’s pollution record is associated with bank loan contracting. We find that firms with higher level of chemical release are charged with higher loan spread. The costly effect of chemical release is more pronounced for firms with higher risk and weaker governance. Furthermore, additonal results show that polluting firms are subject to face with unfavourable non-price terms and higher future stock volatility. These evidences support the view that banks consider chemical release level to be an indirect information source for

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Le, Hue-Trinh, and 黎惠貞. "CEO Power and Bank Loan Covenant Restrictiveness." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/kcb6q5.

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碩士<br>元智大學<br>財務金融暨會計碩士班(財務金融學程)<br>105<br>Existing studies illustrate that the centralization of power in CEOs creates a large influence on firm performance. The CEOs are directly responsible for decision making, but whether these strategic decisions are beneficial or detrimental for the firms depends on CEOs’ perspectives of interest. One direction of making decision process of powerful CEO is high agency problem occurring when CEOs act beneficially themselves. Such a situation motivates lenders use certain mechanisms (covenants in particular) to protect their claims. Another side is the fac

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Hsu, Yu-Fang, and 許瑜芳. "Credit Risk Measurement of Bank Loan Portfolios." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/81746323897966080911.

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碩士<br>輔仁大學<br>金融研究所<br>95<br>In order to adapt to the fast change of the financial environment, the Financial Supervisory Commission, Executive Yuan urges local banks to improve their risk management ability. However, most local banks are still in the initial stage of getting familiarized with credit risk models. Therefore, local banks are advised to take in the experience from the advanced credit risk models already developed by internationally acclaimed financial institutions in order to develop credit risk models suitable to their operations. The dissertation examines small and medium-sized

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HSIAO-CHUAN, TSENG, and 曾小娟. "Explore Loan Factors Related to Construction Loan-An Example of Y bank." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/d48mk8.

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碩士<br>國立臺灣科技大學<br>管理研究所<br>103<br>In this study, we try to the linkage of (1) the customers ' credit rating, (2)financial index, (3)project scheme and (4)government regulations four factors. How these factors influence the process of construction loan undertaking in bank. The following results can provide banks to consider taking the construction loan in more objective and secure ways. 1. The construction loan is different from other loan cases, the lenders' credit rating and financial index are not the prime factors to proceed the loan. 2. Besides the "Bank loan policy", the compliance with g

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"Risk management in commercial loans: survey on loan diversification policies and strategies in Hong Kong." Chinese University of Hong Kong, 1994. http://library.cuhk.edu.hk/record=b5888034.

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by Fu Yuen Yeh.<br>Thesis (M.B.A.)--Chinese University of Hong Kong, 1994.<br>Includes bibliographical references (leaves [40-41]).<br>LIST OF TABLES --- p.iv<br>ABSTRACT --- p.v<br>ACKNOWLEDGEMENT --- p.vi<br>CHAPTERS Page<br>Chapter 1. --- INTRODUCTION --- p.1<br>Chapter 2. --- BACKGROUND --- p.2<br>Grouping of Loans --- p.3<br>Risk Management in Commercial Banks --- p.4<br>credit risk<br>liquidity risk<br>interest rate risk<br>fraud risk<br>Risk Management in International Banking --- p.8<br>Loan Diversification --- p.10<br>industry diversification<br>geographic diversification<br>

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Kuan-PuWang and 王冠卜. "Determinants of bank loan loss provisions for consumer mortgage loans in Taiwan." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/28074300122402398415.

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碩士<br>國立成功大學<br>財務金融研究所碩士在職專班<br>103<br>Financial Supervisory Commission of Taiwan in 2007 mandated the banks in Taiwan to disclosure the quality in mortgage loans. According to the pro-cyclical hypothesis, when the economy is in the periods of upturns, the probability of default decreases and banks will provision less on consumer mortgage loans. The empirical results of this study indicate that, in the period from 2008Q2 to 2014Q4, loan loss provisions (LLPs) for consumer mortgage loans have no predictive power for the prices of real estate and economic conditions. It suggests LLPs for consum

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Huynh, Thi Ngoc Anh. "Bank loan loss in Vietnam : a dialectical view." Thesis, 2017. http://hdl.handle.net/1959.7/uws:49637.

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Loan loss recognition and communication have been contentious issues in Vietnam recently. Before 2012, the State Bank of Vietnam and commercial banks continuously signaled that the banking system was under control, with the nonperforming loans (NPLs) ratio below 3%. However, a belief expressed through newspapers and other media was that the NPL ratio was much higher under international standards. This ratio became controversial when different figures were disclosed from different sources, and it has fluctuated strongly since 2012. The acceleration of NPLs in 2012 froze credit flows and the eco

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I-HsienCheng and 鄭義憲. "The Determinants of Bank Loan Default-The Case of Taiwan Commercial Bank." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/45345476357144028288.

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碩士<br>國立成功大學<br>國際管理碩士在職專班<br>98<br>This study examines the determinants factors of loan default in the case commercial bank in Taiwan. The result after using Logit analysis to define determinants of credit default for overall samples shows that operating cash flow ratio of the Solvency factor、 financial fee ratio of financial structure factor、organizational management、 affects by the affiliated company、 transaction credit status with bank of the management administration factor are main factors that influence credit risk. The result shows that the above factors are all critical for the bank l

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Tseng, Pai-Li, and 曾百立. "Determinants of Bank Loan Interest Revenue – An Empirical Evidence of F Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/a6unpm.

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碩士<br>國立中興大學<br>應用經濟學系所<br>106<br>The interest income of the lending business is the main source of traditional banking operations, revenue and profit. The government opened 16 new commercial banks in 1991, and subsequently promoted a series of financial market opening policies, including allowing trust and investment companies, credit cooperatives and SME banks to be converted into commercial banks, and allowing foreign banks to enter Taiwan''s financial markets. As of the end of 2017, according to government public information, Taiwan currently has 38 domestic banks and 29 foreign banks in T

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Lin, Huey-Ling, and 林惠玲. "The Effect of Loan Concentration to Business Groupson Bank Profitability and Loan Quality." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/42753411372404964752.

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碩士<br>國立高雄第一科技大學<br>金融系碩士專班<br>105<br>By using a sample of 31 domestic banks over the period from June 2007 to December 2015, we examine how the loan concentration to business groups affect profitability and loan quality of banks. The empirical results found that the higher the loan concentration to business groups, the lower profitability and loan quality. In addition, banks with smaller asset size, higher capital ratio and better personnel costs control efficiency have higher profitability. Banks with higher capital ratio and better personnel costs control efficiency have better loan quality

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劉豐榮. "Develop Bank-Loan Risk Prediction with Data Mining." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/15253505938451742052.

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碩士<br>國立中正大學<br>資訊工程研究所<br>91<br>Financial institutes, a traditional industry in early ages, mainly specialize in attracting public deposits and then offer loans and investment services. The government carried out deregulation policies for financial institutes since 1990, market competition has become more and more furious. To meet challenges and for survival, all banks keep drawing out preferential scheme, pushing loan risk and overdue-loan ratio to hit a new record. Financial institutes have to bear lots of bad loans as a result of bubble capital resulted from Asia Financial Crisis in 1997,

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廖雅華. "Monetary Policy Transmission Mechanism：Research on Bank Loan Portfolio." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/wufuc6.

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Sun, Hung-Ta, and 孫宏達. "The Discussion about Bank Non-Performing Loan ＆ Practical." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/48658135570438895270.

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碩士<br>大葉大學<br>事業經營研究所碩士在職專班<br>94<br>Ever since the banking deregulation took place in 1991, the number of commercial banks has increased enormously, which, in turn, has resulted in an intensive competition in Taiwan banking industry. Furthermore, the continuous economic downturn contributed to the worsening non-performing loans (NPL). Thus, the relation between NPL and a bank performance or even a bankruptcy has been taken seriously. The fast-growing NPL in Taiwan has worsened the asset quality of banking industry and inevitably invade the profitability. An enormous amount of NPL not only mak

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Yeh, Cheng-ching, and 葉正青. "Information Asymmetry and Credit Spread of Bank Loan." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/67660662123797199853.

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碩士<br>國立高雄第一科技大學<br>金融所<br>98<br>This study explores the relationship between asymmetric information of corporate and credit spreads of bank loans by using the data of firms listed on the Taiwan stock Exchange. The result shows that the degree of information asymmetry is positively related to credit spread of bank loans. The credit spreads caused by information asymmetry are especially large for the short-term loans. In addition, firms with higher equity risk, lower liquidity ratio, smaller size, and poor credit rating have larger credit spreads of bank loans.

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Huang, Yi Ying, and 黃怡縈. "An association between conservatism and bank loan pricing." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/09747442485190427838.

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碩士<br>國立政治大學<br>會計研究所<br>98<br>Financial statement is one of important resources to credit decisions making. Conservatism increases the quality of financial statement. Based on the definition of types of accounting conservatism, unconditional and conditional, proposed by Beaver and Ryan (2005), and the use of a sample of 5,507 firm-year financial data from 1997 to 2008, this study investigates conservatism effects on the over-loan risks from borrowers through bank loan pricing. The primary empirical findings indicate that a significantly negative association exits between unconditional (condit

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Chou, Shih-Hsiung, and 周士雄. "The determinants of Bank Loan/Deposit interest margins." Thesis, 1999. http://ndltd.ncl.edu.tw/handle/92153990944211906220.

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Tsai, Chiao-Lin, and 蔡巧琳. "CEO Overconfidence and the Cost of Bank Loan." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/18452287148979408719.

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碩士<br>國立東華大學<br>財務金融學系<br>103<br>This paper investigates the impact of Chief Executive Officer (CEO) overconfidence on the cost of bank loan. Using a sample of the firms in the US from 1995 to 2012, we find that overconfident CEO enhance a firm’s external financing capacity by lowering the firm’s cost of bank loan. Especially, this impact is stronger for high risky purpose and medium and long term loan. In other words, the overall findings in this study suggest that the information transparency hypothesis dominates the manager optimism hypothesis in term of positive impact of CEO overconfidenc

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Ya, Yu-Yan, and 葉瑜嬿. "Bank Loan Concentration Intensity,Financial Characteristics,and Performance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/02468336864796346101.

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碩士<br>亞洲大學<br>財務金融學系<br>103<br>This study aims to examine risks and returns on concentrated and diversified strategies of bank lending, considering economy conditions, borrowing firms’ sensitivity to economy, and industry competition intensity. Also, the study explores the effect of bank’s abilities to credit monitoring and risk tolerance on the selection of lending strategy. This study tests three hypotheses. The first, when the economy is booming (recessionary), lending to firms with a high (low) sensitivity to economy conditions has a higher return and lower risk. Second, lending to industr

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Chen, Wei-sen, and 陳威森. "Leverage Buyout Value and Bank Loan Syndicate Structure." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/58195582794450910451.

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碩士<br>國立東華大學<br>財務金融學系<br>104<br>We empirically explore the effect of creditor’s monitoring role on the leverage buyouts. We show that syndicate structure has a significant impact on target announcement returns. When firms have a higher default probability, it would form a syndication with fewer lenders, which could reduce the moral hazard and adverse selection. However, we further look at the amount retained by lead arranger and the Herfindahl index of lenders’ shares, it presents a significant and negative relationship with target returns. As the increase of the risk, we find that the target

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Le, Quoc-Tuan, and 黎國俊. "Private benefits of control and Bank loan contracts." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/66403463703579559037.

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碩士<br>元智大學<br>財務金融暨會計碩士班(財務金融學程)<br>105<br>This research studies the effect of private benefits of control of managers and large shareholders on price and non-price terms contracting of bank loans. Using a new method of quantifying the private benefits of control based on the value of voting premium which derived from the stock options put-call parity, along with loan, firm and macroeconomic specific data for 2,391 U.S firms from 1997 to 2015, the research found that banks tend to require higher loan spread and impose more unfavorable loan terms on firms with higher degree of private benefits

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Li, Yeong-Long, and 李永隆. "A Survey of Bank Loan for Urban Renew." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/58586030848330334966.

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碩士<br>中國文化大學<br>建築及都市計劃研究所<br>98<br>When urban renew is carried out, bank financing often influences the progress of urban renew. During urban renewal process, the long time required by land-obtaining always affects the working of the development capital. Then, bank loan plays a very important role in urban renewal. Therefore, objectives of the study are: I. Through questionnaire investigation, it is to discuss the concerns and topics that are formed during different stages of urban renewal loan by the bank. II. From topics that are formed through questionnaire and issues of existed cases, it

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WANG, YUE-YING, and 王月英. "Dynamic Relations between Bank Profitability and Loan Quality." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/d5npg6.

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碩士<br>國立高雄第一科技大學<br>金融系碩士班<br>106<br>By using quarterly data from domestic banks in Taiwan for the period covering 2005 to 2016, the aim of paper is to examine the dynamic relationship between bank profitability (measured by return on assets (ROA) and return on Equity (ROE)) and loan quality (measured by non-performing loans (NPLs)). Econometric techniques including vector error correction model (VECM), Granger causality, impulse response functions and forecast error variance decomposition are employed to capture the the dynamic interdependencies between these two constructs. The result suppor

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Wu, Tzu-Yun, and 吳芷昀. "Stock Price Crash Risk and Bank Loan Contracting." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/k8cebs.

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碩士<br>國立中央大學<br>財務金融學系<br>107<br>This paper intends to examine the association between company’s stock price crash risk and bank loan contracting. Precedent research discusses the relationship between company’s financial data, such as company’s size and profitability, and bank loan contracting. However, there is no discussion about the relationship between firms’ stock price crash risk and loan conditions. Thus, by collecting data from Compustat, DealScan and CRSP from 1994 to 2013, we use three measures capturing company’s stock price crash risk and four features capturing all aspects of loan

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XUAN, JIANG YI, and 江奕軒. "An External Information Search System of Bank Loan." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/4e6xd7.

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碩士<br>逢甲大學<br>資訊工程學系<br>106<br>Corporate loans service is a very important part of bank revenue. For small and medium banks, they do not have as much resource as big banks to manage their credit business. In addition, their main customers are also small and medium enterprises. Due to the small operational scale and business model in small and medium enterprises, their corporate information is usually not complete and difficult to acquire. Therefore, banks must spend a lot of time and manpower to evaluate or rate such loaners’ credit. Handling a credit case in a small and medium bank often take

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