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類          別 研究分析報告
出版品名稱 112年度「協助中小型事業疫後振興及轉型發展貸後管理計畫」
作          者 吳孟道,范秉航,黃敬翔,簡淑綺,劉育昇,施雅庭,黃子娟
語          文 中文, 總頁數  369
定          價 優惠價  
優 惠 期 間
內容摘要
本計畫旨在協助獲得疫後振興貸款及轉型發展貸款的中小企業,強化其經營韌性和競爭力。具體而言,針對受疫情影響的中小企業,提供數位及融資診斷服務,並協助符合條件的企業接洽金融機構,獲得轉型所需的資金,促進智慧化發展。此外,結合在地單位,為潛在獲貸及已獲貸的中小企業規劃系列課程,強化其經營管理及財務會計知識,並製作數位教材,以提升企業的經營韌性。

為加強風險控管,蒐集並分析政策性貸款獲貸企業的數位足跡,強化貸後風險控管與預警模型,從而掌握潛在的違約風險。對於已獲貸的中小企業,安排財務顧問進行關懷訪視,評估企業的還款能力並提出解決方案,以降低潛在的違約風險也是我們的重要任務。此外,建立查核機制,以確認貸款申請文件及資格的合規性,確保政策的有效性。

在執行成果上,已提供數位化診斷服務,協助中小企業進行數位優化及資金需求的融資診斷,並轉介符合條件者至在地金融機構進行授信評估。取得轉型資金後,追蹤企業的改善作業,以協助其邁向智慧化轉型,並加速升級轉型;在強化貸款風險管理方面,已擴充資料庫,分析獲貸中小企業的數位足跡,透過解析其風險關聯性,強化政策性貸款的風控指標與風險管理機制。此外,針對已建立的電信風控模型,納入獲貸中小企業負責人的貸前與貸後風險控管資訊,以強化企業的信評及預警風控模型。並定期產出潛在高風險企業名單,有助於及早掌握違約風險;本計畫還將依據風險控管指標,主動聯繫高風險企業,安排財務顧問進行關懷訪視,透過了解企業現況,提供經營及財務管理建議,協助維持營運動能,降低貸款的潛在違約風險。為了強化疫後振興貸款與轉型發展貸款的政策有效性,建立訪查機制,掌握獲貸業者的貸款適用資格及申貸程序,並協助違規業者繳回溢領的補貼利息;在行政支援方面,已蒐集中小企業的貸款推動狀況及需求,定期研提精進建議,並關注國際主要國家的資金融通政策,以便提供相關政策建議。

透過這些措施,本計畫不僅提升中小企業的經營韌性,也強化了風險管理,確保政策的有效實施。

The aim of this program is to assist small and medium-sized enterprises (SMEs) that have obtained post-pandemic revitalization and transformation development loans, enhancing their operational resilience and competitiveness. Specifically, we provide digital and financing diagnostic services for SMEs affected by the pandemic, helping eligible enterprises connect with financial institutions to secure the necessary funds for their transformation, thereby promoting smart development.

In collaboration with local units, we plan a series of courses for both potential and existing loan recipients to strengthen their management and financial accounting knowledge. We also produce digital educational materials to enhance the operational resilience of these enterprises.

To bolster risk management, we collect and analyze the digital footprints of enterprises that have received policy loans, reinforcing post-loan risk control and early warning models to effectively monitor potential default risks. For SMEs that have already received loans, we arrange for financial advisors to conduct follow-up visits, assess their repayment capabilities, and propose solutions to mitigate potential default risks. Establishing a verification mechanism to ensure compliance with loan application documents and eligibility criteria is also crucial for ensuring the effectiveness of the policy.

In terms of implementation outcomes, we have already provided digital diagnostic services to assist SMEs with digital optimization and financing needs, referring eligible businesses to local financial institutions for credit assessments. After securing transformation funds, we track the improvements made by these enterprises to facilitate their smart transformation and accelerate their upgrade processes.

In strengthening loan risk management, we have expanded our database to analyze the digital footprints of funded SMEs, enhancing the risk control indicators and management mechanisms for policy loans by examining their risk correlations. Additionally, we have integrated pre- and post-loan risk control information from the responsible individuals of funded SMEs into our established telecommunications risk control model to improve credit ratings and early warning systems. Regularly generating lists of potential high-risk enterprises helps us proactively monitor default risks. We also contact high-risk businesses based on risk control indicators, arranging follow-up visits by financial advisors to provide operational and financial management advice, thereby helping maintain operational momentum and reduce potential default risks.

To enhance the effectiveness of post-pandemic revitalization and transformation development loans, we have established a monitoring mechanism to ensure that loan recipients meet eligibility criteria and follow the application procedures. We also assist non-compliant businesses in repaying excess subsidy interest. From an administrative support perspective, we have gathered information on the loan promotion status and needs of SMEs, regularly proposing improvements and monitoring financial policies in major countries to provide relevant policy recommendations.

Through these initiatives, this program not only enhances the operational resilience of SMEs but also strengthens risk management, ensuring the effective implementation of policies.
目錄
第一部分、基本資料 1
壹、案名 1
貳、廠商資料 1
參、聯絡人資料 1

第二部分、計畫內容 4
壹、  計畫緣起 4
一、  背景與目的 4
二、  政策目的、計畫目標與推動策略 9
貳、  實施策略及方法 15
一、預定實施進度 15
二、專案經費與執行進度 32
三、計畫架構與分工 33
四、實施流程與方法 35
【工作分項1:提升中小企業韌性】 35
【工作分項2:強化貸款風險管理】 123
【工作分項3:診斷輔導健全體質】 200
【工作分項4:貸後查核法律協助】 281
【工作分項5:行政幕僚支援協助】 324
【工作分項6:其他交辦事項】 347
參、  後續精進方向 350
肆、  結論 352
備註
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