電影產業中融資借款人特質與債務逾期

Abstract

本論文依據近十年電影製作保證融資案件，抽樣逾期案件、申請展延案件及如期還款案件並訪談電影導演及製作人，探討借款人特性、自我認知及社會期許等與發生逾期之影響因素，希冀未來進一步深入研究並提高適用性以提供金融機構評估電影產業徵授信參考。

This study seeks to explore the association between borrowers’ characteristics and loan overdue. It is based on the credit guaranteed loans within movie industry for the past 10 years. Information including sampled overdue loan, loan extension applications, and on-schedule repayments are used to examine the research inquiry. It also conducts interviews of movie directors and producers for understanding their personal traits, their self-recognition, and the social expectations with regard to the borrowing and payment decision. In generally, this study probes into the determinants of the overdue loans. The analytical results would provide implications on risk evaluation and lending decisions in movie industry for financial institutions.