簡易檢索 / 詳目顯示
| 研究生： |
齊孝昕 Chi, Eric |
|---|---|
| 論文名稱： |
線上融資平台與傳統商業銀行企業放款徵信方法之差異-以星展(台灣)銀行及OnDeck為例 A comparative analysis of lending service between traditional banks and online lending platforms |
| 指導教授： |
尚孝純
Shari, Shang |
| 口試委員: |
吳文傑
Wu, Jack 林知伸 Lin, Jason |
| 學位類別： |
碩士
Master |
| 系所名稱： |
商學院 - 國際經營管理英語碩士學位學程(IMBA) International MBA Program College of Commerce(IMBA) |
| 論文出版年： | 2018 |
| 畢業學年度： | 107 |
| 語文別： | 英文 |
| 論文頁數： | 34 |
| 中文關鍵詞： | 線上融資平台 、貸款決定 、OnDeck 、星展銀行 、比較分析 |
| 外文關鍵詞： | Online lending platform, Lending decision, OnDeck, DBS Bank, Comparative analysis |
| DOI URL： | http://doi.org/10.6814/THE.NCCU.IMBA.004.2019.F08 |
| 相關次數： | 點閱：181 下載：32 |
| 分享至: |
| 查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報 |
Deposit and lending is a fundamental function of a bank. A core competiveness of a banker is the ability of minimizing a borrower’s credit risk. In current traditional banking system, lending decision is a time-consuming process and requires a mountain of documents.
However, with the advancement of information technology and the use of smart data analytics, various data could be collected from public authorities and social media and analyzed from different perspectives. The process of decision-making for credit approval has changed greatly in some online lending platforms.
This study strives to answer the questions of “Why banks and online lending platforms perform differently in operation?” Areas in the size of facility, risk management and pricing quotation will be examined.
The study results revealed that banks have better capability in risk management and complicated deals can be handled. On the other hand, online lending platforms have better efficiency but charge a relatively higher interest margin and facility fee.
1. Introduction 1
1.1. Research Motivation 1
1.2. Research Objectives 2
1.3. Research Processes 3
2. Literature Review 4
2.1. Definition of SME 4
2.2. Definition of Online Lending Platform for SME 5
2.3. The Current Method of DBS Local Lending Program for SME 5
2.4. Lending to SME in Taiwan 7
2.5. Market Size of SME lending 8
2.6. Regulation of Banking and Credit in Taiwan 8
2.7. Value Proposition Model 9
2.8. Platform Revolution 10
3. Research Methodology 12
3.1. Design 12
3.2. Data Collection 13
3.3. Data Analysis 13
4. Case Study 14
4.1. DBS 14
4.2. On Deck Capital (“OnDeck”) 21
5. Results and Analysis 26
5.1. Cross Case Analysis 26
5.2. Analysis and Findings 28
5.3. Key to improve efficiency of DBS local lending program 29
6. Research summary 30
6.1. Research contribution and limitation 32
Reference 33
BrymanA. (2012). Social Research Methods. New York: Oxford University Press Inc.
Chen, D., and Han, C. . (2012). A Comparative Study of Online P2P Lending in the USA and China. Journal of Internet Banking and Commerce .
DBS. (2017). Annual Report. Taipei: DBS Taiwan.
DBS. (2018). 中小企業星易貸. https://www.dbs.com.tw/sme-zh/dbs-forms/microloan-form.page
Karen Gordon Mills and Brayden McCathy. (2014). The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game. Harvard Business School.
LinKeng-han. (2016). Reserach on Taiwan commercial bank's detection of financial fraud in China: the use of public information. 國立政治大學.
OnDeck. (2017). Annual Report.
OsterwalderAlex, PigneurYves, BernardaGreg, & SmithAlan. (2014). Value Proposition Design. Hoboken, New Jersey: John Wiley & Sons, Inc.
ParkerG.Geoffrey, AlstyneW. VanMarshall, & ChoudaryPaulSangeet. (2016). Platform Revolution. New York: W. W. Norton & Company, Inc.
Small and Medium Enterprise Administrationof Economic AffairsMinistry. (2015年3月30日). Standards for Identifying Small and Medium-sized Enterprises. Small and Medium Enterprise Administration, Ministry of Economic Affairs: https://www.moeasmea.gov.tw/ct.asp?xItem=8261&CtNode=530&mp=2
Wikipedia. (2018). Basel Accords. Wikipedia: https://en.wikipedia.org/wiki/Basel_Accords
YenChiLi. (2017). JKOS Pay: Challenges of Marketplace Adoption in the Mobile Payment Space. 國立台灣大學.
Zopa. (2018). https://www.zopa.com/.
林妙宜. (2001). 公司信用風險之衡量. 國立政治大學.
林博仁. (2016). Loan default prediction：analyzing P2P lending data on the spark platform. 台北: 國立政治大學.
梅驊. (2016). The Discussing of the Future Development of P2P Lending in Taiwan by Analyzing the Worldwide P2P Industry. 台北: 國立台灣科技大學.
經濟部中小企業處. (2017). 2017中小企業白皮書. 經濟部.
