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    Title: 銀行經營績效與法人金融授信策略之探討─以遠東國際商業銀行為例
    The Research for Bank Performance and Corporate Finance Policy: The Case Study from Far Eastern International Bank
    Authors: 林燕君
    Lin, Yen-Chun
    Contributors: 李志宏
    Lee, Jie-Haun
    林燕君
    Lin, Yen-Chun
    Keywords: CAMEL
    法人金融授信業務
    民營商業銀行
    個案研究
    CAMEL
    Corporate finance policy
    Private business banks
    Case study
    Date: 2017
    Issue Date: 2017-08-28 11:30:25 (UTC+8)
    Abstract: 本文以遠東國際商業銀行為個案研究銀行,探討個案銀行經營績效(以CAMEL架構為衡量指標)之良窳與法人金融授信業務之狀況。經過蒐集與分析大量的財務數據後,發現個案銀行在平均每位員工獲利能力、資產報酬率(ROA)、股東權益報酬率(ROE)與流動準備率上表現優異。然而,投資收益與存放款利率差的表現相對落後,並且觀察到定期存款比率過高,可能是導致存放款利率差縮小的原因。在法人金融授信業務上,發現遠東商銀的法人金融授信金額佔總體授信金額的比重偏低,將會提高過度仰賴個人金融授信業務所面臨的違約風險。除此之外,相較於主要競爭銀行,遠東商銀法人金融授信業務的資產品質亦有改善的空間。最後,依據遠東商銀所面臨的問題,本文針對整體經營績效提出兩項建議:(1) 多元化金融商品與財富管理服務;(2) 深化客戶線上金融服務使用率。另針對法人金融授信業務提出三項建議:(1) 深耕既有法人客戶;(2) 擴大海外聯貸市場參貸與擴增銀行資產;(3) 開發中小企業授信業務。
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    Description: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    103932139
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0103932139
    Data Type: thesis
    Appears in Collections:[經營管理碩士學程EMBA] 學位論文

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