{"title":"贷款条件和银行风险敞口","authors":"Yi-Chang Chen, Zixian Xu, J. Deng, Bin Xu","doi":"10.2991/febm-19.2019.23","DOIUrl":null,"url":null,"abstract":"This paper investigates the loan conditions and bank risk exposure for the risk valuation factors of loans within the commercial bank industry. We use the listed companies in the Taiwan Economic News, sort out the financial indicators in 20072018, and empirically explores the impact of enterprises on bank borrowing. We find that the bank's credit funds are associated with bank-specific characteristics such as size, a growth rate of the asset, growth rate of income, net profit, the current ratio, and EPS. Empirical results provide positive significant evidence from the size and current ratio, indicating the impact on the loan banking market. Finally, the variables considered in our paper can be used as a reasonable criterion for valuing the credit conditions of the loan market. Keywords—loan conditions; risk exposure; credit funds; bank-specific characteristics","PeriodicalId":417272,"journal":{"name":"Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)","volume":"51 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2019-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Loan Conditions and Bank Risk Exposure\",\"authors\":\"Yi-Chang Chen, Zixian Xu, J. Deng, Bin Xu\",\"doi\":\"10.2991/febm-19.2019.23\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"This paper investigates the loan conditions and bank risk exposure for the risk valuation factors of loans within the commercial bank industry. We use the listed companies in the Taiwan Economic News, sort out the financial indicators in 20072018, and empirically explores the impact of enterprises on bank borrowing. We find that the bank's credit funds are associated with bank-specific characteristics such as size, a growth rate of the asset, growth rate of income, net profit, the current ratio, and EPS. Empirical results provide positive significant evidence from the size and current ratio, indicating the impact on the loan banking market. Finally, the variables considered in our paper can be used as a reasonable criterion for valuing the credit conditions of the loan market. Keywords—loan conditions; risk exposure; credit funds; bank-specific characteristics\",\"PeriodicalId\":417272,\"journal\":{\"name\":\"Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)\",\"volume\":\"51 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2019-12-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2991/febm-19.2019.23\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Proceedings of the Fourth International Conference on Economic and Business Management (FEBM 2019)","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2991/febm-19.2019.23","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
This paper investigates the loan conditions and bank risk exposure for the risk valuation factors of loans within the commercial bank industry. We use the listed companies in the Taiwan Economic News, sort out the financial indicators in 20072018, and empirically explores the impact of enterprises on bank borrowing. We find that the bank's credit funds are associated with bank-specific characteristics such as size, a growth rate of the asset, growth rate of income, net profit, the current ratio, and EPS. Empirical results provide positive significant evidence from the size and current ratio, indicating the impact on the loan banking market. Finally, the variables considered in our paper can be used as a reasonable criterion for valuing the credit conditions of the loan market. Keywords—loan conditions; risk exposure; credit funds; bank-specific characteristics
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