農業金融體系辦理最高限額抵押權擔保建築業貸款聯合授信之法律關係探討

Abstract

農業金融機構普遍存在著授信金額規模小與風險承擔能力低的特質，辦理聯合授信案（以下稱聯貸案）是補足規模小與能力低的方法之一。 聯貸案為企業重要的籌資來源之一，亦帶給金融機構眾多好處，包括主辦銀行可以利用其專業，得以主辦及管理聯貸案，以賺取手續費，並且達到分散風險之目的，另一方面，亦可讓規模較小而無力自行籌組聯貸案之銀行，以多角化方式去化其資金，並且藉由與主辦銀行的關係，與新的借款人往來。對借款人的好處則是可以在最短時間內申貸獲准大額之貸款資金，並且針對需求設計客製化服務，提供借款人多元化的籌資管道。 本研究以農業金融機構辦理建築業貸款聯合授信之法律關係為探討課題，目的在提供銀行業者辦理聯貸案設定最高限額抵押權的參考依據，並整理自民國99年6月起中央銀行對不動產市場授信案的選擇性信用管制之相關規定，最後，根據本研究結果，提供農業金融經營者制定經營策略、建築業者辦理建築業貸款之應對之道與主管機關擬定行政政策與修法之參考。

Agricultural financial institutions have the characteristics of small credit scale and low risk-taking capability generally. Handling syndicated loan is one of the ways to bring up small credit scale and low risk-taking capability to full strength. Syndicated loan is one of the important sources of financing for enterprises, and it also brings many benefits to financial institutions, including the fact that the leading bank can use its profession to host and manage syndicated loan to earn fees and achieve the purpose of diversifying risks. On the other hand, it is also possible for banks which are small and unable to organize their own loans to diversify their funds in a diversified manner and to interact with new borrowers through their relationship with the leading banks. The benefit to the borrower is that the loan can be loaned in the shortest amount of time, and the customized service is designed according to their demand, providing a diversified financing channel for the borrower. This study explores the legal relationship between agricultural financial institutions and the syndicated loan of construction industry. The purpose is to provide a reference basis for the banking industry to set up the maximum amount of mortgage right in the syndicated loan, and reorganize the relevant provisions on the selective credit control of the central bank's credit scheme for the real estate market since June 2010. And provide agricultural financial operators with business strategies, construction companies to deal with construction loans and the competent authorities to draw up administrative policies and revisions based on the results of this study.