擔保品成數

Eric Chi
Eric Chi
Jul 21, 2017 · 1 min read

擔保品成數代表著銀行貸放資金後需要向授信戶徵提擔保品的比例。若是授信戶動用了新台幣10.0百萬的短期借款,依據額度架構內容,該授信戶必須要提撥新台幣1.0百萬(新台幣10.0百萬*10%)的金額放入定存帳戶並且設質給銀行作為擔保品。

擔保品的型式有很多種,可以是現金、基金、債券、結構型儲蓄商品、不動產、其他銀行開出的擔保信用狀、有價證券、中小企業信保基金等等。每一間銀行定義的擔保品類型不甚相同,但只要擔保品價值能夠被合理估算且價格穩定,通常都可以是合格的擔保品。

實務上,信用評等越好,授信風險越低的企業,被銀行徵提的擔保品成數會越低。因此,許多台灣上市櫃公司因為財務透明度較高及信用較佳,銀行提供的授信額度通常是不需要任何擔保品的純信用額度。

然而越是小型的企業,或是信用風險越高的企業,銀行通常會要求較高成數的擔保品作為授信條件。

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Eric Chi

Written by

Banker, Relationship Manager, Writer and Traveler. His first book is about a traveling diary in Tibet and second book is a guidebook for credit analysis.

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