影響企業取得銀行融資成本之研究－－以個案銀行為例

The Factors Affecting the Cost of Bank Financing- A Case Study of a Bank

本研究旨在探討企業授信戶的信用評等、銀行往來關係、集團企業對銀行放款訂價之影響。本研究以個案銀行2009年核准的企業授信戶共733個樣本為研究對象，實證結果如下：1. 信用評等愈佳的企業授信客戶，則其融資成本將愈低。2. 銀行往來關係愈長久密切，則可降低授信戶之融資成本。3. 集團企業聯合貸款，將可降低企業融資成本。4. 除了企業的財務資訊外，個案銀行會依據其自身的專業判斷，增加授信戶之貸款利率。

The purpose of this study was to explore the corporate credit rating, banking relationship, business groups impact on bank lending pricing. In this study, the case bank in 2009 approved 733 corporate loan customers as the research object, the empirical results are as follows: 1. The better the credit rating of corporate customers, its financing costs will be lower. 2. The more long-term banking relationships, it will reduce the company's financing costs 3. Business groups will reduce the financing cost. 4. In addition to the financial information, the case bank will increase the company's loan interest rate according to their own professional judgement.