卡債問題及消費金融不良債權處理之研究

Abstract

論文摘要 從2001年間台灣金融市場陷入本國歷史上最大的系統性金融風暴的高峰，全體金融體系總體逾期放款率達8.16％，總金額為13,274億元，經過政府、業界大家共同努力的結果，風波才逐漸平息，殊不知一波未平另一波又起，到了2005年，消費金融卡債等小額貸款又引發了另一次的風暴，而這次風暴不僅影響金融機構的財務風險，也因為小額債務人人數眾多，而引發了嚴重的社會問題政治事件，因此如何能夠妥善處理解決以渡過危機，確實不是一件容易的事。 由於職務上的關係，本人參與了主管機關及銀行公會等單位召開的多次會議，也承擔了部分任務，親身投入工作。因此，本研究包括了主管機關政策面的處置疏導、金融業者的因應措施、國外機構的類似經驗以及專業AMC公司處理逾期放款實務上的作法等。基於個人從事金融相關業務多年的經驗，希望從業界授信策略的錯誤、追求業績實務上的操作失當，以及社會上道德的認知迷失等因素加以剖析，並研提相關解決方法，以提供業界解決卡債有關問題的參考。

關鍵字：不良債權；逾期放款；卡債問題

Abstract In 2001, Taiwan’s financial market fell into the most critical systematic risk in history with the total financial market non performing loans amounted to NT$ 1,327 billion and non performing loan ratio reached 8.16%. After government and financial industry’s joint efforts, the tempest has been appeased gradually. In 2005, another storm came due to credit cards and cash cards. Since there are so many small amount debtors involved, it not only resulted in financial risks to financial institutions but also caused serious social problems and even political issues. Therefore, it’s really a tough task to handle the crisis properly. Owing to my present job, I took part in various discussions with supervising institutions, Bankers Association and was personally engaged in the relevant operations. This research included government organizations’ policy operations, financial institutions’ related measures, foreign similar experiences and professional AMC’s practical methodologies in handling non performing loans. Based on my personal long-term financial experiences, it’s my sincere hope that through the analyses in the loan strategy mistakes made by the banking sectors, the practical improper operations to pursue performances and the discrepancy in social morale recognition, I could provide some solutions to the financial sectors in handling relevant card debts problems. keywords：non performing loans, non performing loan ratio, card debts problems