我國建築融資放款條件之研究

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(23) ~~~. .... ~~.~z~~. (~). m.1 (l)• • •m!I!.~.~~ttl¥J~~fH£. ••-tm variable. jIt-f¥ &Ut#ifJU~ Im1!HE1JU~. .~;1U'.. ffUtttt*• • JiiE• • ~i!limmmtJ. llMl:0iiJftm ~*iI!!.fI.. ilU,ttmm'!tIM. ;. .1I!1Udl IIIUI!!..Ji1£. tolerance 0.74514916 0.71752854 0.84736901 0.91637553 0.89822761 0.98082533 0.95392271 0.90766351 0.96360859. ~~* tt ; Ii Tolerance<0.1 • ~Ji;~~ttfH£. 1,!~.Ji1£.. Dt-flihlilfJU1i. IfHf#iiJt. tolerance. tolerance 0.93084759. tolerance. tolerance 0.90399987. 0.92283278. 0.94405053 0.72480100 0.94430~9. 0.84659517 0.95763565 0.88821733 0.86862257 0.90351861. 0.79O~360. 0.93916277 0.93711042 0.96315751 0.92257095 0.94081209 0.97865085 0.93265467. 0.92942920 0.82857370 0.96909053 0.93576258 0.91027988 0.96424736. 0. (2J• • • ~slt.Jt11l.Jtl¥J~~fHE • :Jt Fil'lltsndSecondMomentSpecification .~iti*turf .~-tm. AlMt Ji1£. llItil!!.MtJi1£. jIt-f¥tI11f#i"~. Im1f#i"~. tt: lip-value<0.1·. P value. 57.75 41.35 40.00 44.98 ~Ji;flJ411lI!Jt~~. 0.1834 0.3684 0.3812 0.2712 0. ma2 *m~*~~~m~~~illll!.1£.(~ • • )m~~I!.M~l¥Jm~. ••-tm jltfJittl11f#iiJt~ Im1f~iJt~ I:~;t. ••. fftlittt*• • JiiE• • ~i!limmmtJ ~l!0iiJftm. ~*iI!!.lJi. jIU'ttmm'!tlfl1J. 0.87732503 0.87789751 0.94179563 0.90157145 0.94036952 0.95516990 0.95549724. • •Ji1£•. $iI!!..Ji1£ •. I,!~MtJi1£.. Standardized Estimate 0.54121479 0.47509535 0.01401241 0.01737093 0.05315521 0.02190952 0.01700879 0.03619911 0.07146054. .Standardized Estimate. Standardized Estimate. ~~$ tt:~~l¥Jpm• • M~mz.l¥J#ifi~~. 0.93926688 0.85~1926. 0.02720522 0.03036482 0.06389704 0.00148868 0.00995604 0.01794712 0.06822714. 0.00493401 0.08276536 0.01313323 0.00041102 0.01149512 0.081058~. 0.01090308. :.

(24) x.ftH'!JiI 1002 r~~ •• ~ •• ~~~M~.M.~~J·~±.X·M~~~*.~~~~~o ~llfH. 1003 r•• ~~~~~M~.z~~~~~~~J·fi~~~~.~~~~~B~*~~o ft:Ii=ll 1001 r jfU1'• •~ J -til' • .:It : '::::~.1l!l 0 ft:~.. ... 1994 r 1t•• ii.Z#f1-~ • • J • • M!.fJIf~~~ fll • 17 r 1 J : 46 - 47 ft:1UC llI~iIi 1990 r iI.,HiT J t1J1l . •.:It : • • • JElj 0 ~. 1987. r tIlfif1-"(£till\:.a.ttl9/J11Jfl J •. .:It~tIl~. fljI8<6> : 12 -19 0. ~1$!F. 1002. r.~~It.r*MtIlfttill\:~_Z~~J·~±.X·.*~~~~~o. ~tlll. 1986. r. mJflJGa€tz.m~~. J • fIft±.X •••*.itti.~~~. 0. ~~Jtit. 1991 r lU~.~·f'UU!l!.fJIf'l'~zl!W~~ • •~JI~iiJ'I'JI*,J~ J ,fIft±.X '~ffl*.~~~~~·. M'iE# 1990 r.ft~~~.~.Z~~J·fIft±.X'~~*.'I'JlU.~~~o. 5a.~. 1002. r~~.ft~ • • • •&Z~~~~~J·~~.fto. 5a~.. 1002. r. ~M~£t;~.*,l~Z~~. J • P\J~$."~!I~i£. 0. 5a~.. 1003. r triM• • • • z~M J • •±~~."'flj , 30 (2). 5a~.. ft:tllJl. r ~M±~.ft • • • • ~~~tri~M* • • • • ~JHt~'HfiZ~~ J ••• ±~.ft. 1993. 0. 'J~. 1~. r.ft.~a_ft.- • • _~Z.m~~J'.±.X'~~*.'I'JlU.~~~o. 'J.~. 1003 r • • ~ii.~It~"~~UUtft.Z ~~ J •••±~~."'flJ30 (4) : 63 - 83 • • • 3IU!l!.JI~iiJ. 1004 r ••••• ~.Z~~ J • Azzi,C.F.& Cox.J .C.. 1976 .. A Theory and Test of Credit Rationing: Comment" ,American Economic Review.66 : 911-917. Barro.Robert J.. 1976 .. The Loan Market,Collateral,and Rates of Interest" ,Journal of Money. Credit. and Banking,8<3>. 0. WJ*_ff. 0. : 440-456. Hester. Donald D.. 1979 .. Customer Relationships and Terms of Loan: Evidence from a Pilot Survey" .Journal of Money..

(25) ft.~ • • •~~.#zM~. (~). Credit.and Banking.U<3> : 349 357 Koskela. Erkki 1983. " Credit Rationing and Non - price Loan Terms: A ReExamination" .Journal ofBanking and Finance.. 17: 405 416 Melnik,Arie & Plaut,Steven 1986. " Loan Commitment Contracts, Terms of Lending.and Credit Allocation" ,The Journal of Finance,20. : p425-435 Stiglitz,JosephE. & Weisss.Andrew 1981. "Credit Rationing in Market with Imperfect Information" American Economic Review.76: 393-410.

(26)