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    Please use this identifier to cite or link to this item: http://nccur.lib.nccu.edu.tw/handle/140.119/52607

    Title: 台灣銀行業經營績效之分析
    Authors: 杜昆澄
    Contributors: 林宛瑩
    Keywords: 金控銀行
    Banks of Holding Companies
    Structure of Shareholders
    State-own Banks
    Capital Adequacy Ratio
    Date: 2010
    Issue Date: 2012-04-12 14:01:46 (UTC+8)
    Abstract: 本論文以2010年6月底仍存續之36間本國銀行為研究對象,以2006年第一季至2010年第二季為研究期間,首先探討金控銀行是否因異業整合,具經濟規模優勢,使銀行業務多角化,而提升經營績效;並進一步分析,資本適足率與銀行經營績效間之關係。最後,本論文從股權結構探討官股銀行與非官股銀行在經營績效上的差異。
    Using a sample of 36 local banks in Taiwan over the period of March 2006 to June 2010, this thesis first investigates empirically that the effects of integration and diversification on operating performance of banks resulting from the formation of their financial holding companies (holding banks). In addition, this thesis also examines that the impact of capital adequacy ratio on operating performance. And finally, based on the ownership structure perspective, this thesis investigates the difference in operational performance between state-owned banks and non-state-owned banks.
    The empirical results indicate that the financial crisis has a negative impact on the return of banks’ asset during the research period. The capital adequacy ratio is positively related to the operating performance of holding banks, while the growth in loan and investment of holding banks is negatively related to the operating performance. The results therefore implies that the diversification of the banking businesses probably enhance operating performance of holding banks. With respect to the findings regarding the effect of ownership structure on performance, this thesis fail to provide significant evidence. The results indicate that there is no significant difference in operating performance between the non-state-own banks and the state-own banks.
    第壹章 緒論 1
    第一節 研究背景與動機 1
    第二節 研究議題 5
    第三節 論文章節架構 9
    第貳章 文獻回顧 10
    第一節 銀行業務多角化、跨業經營與金控公司之相關文獻 10
    第二節 銀行股權結構與經營績效文獻 17
    第三節 相關文獻彙整 22
    第參章 研究設計 26
    第一節 研究假說 26
    第二節 實證模型、變數定義與衡量方法 29
    第三節 樣本與資料來源 38
    第肆章 實證結果與分析 40
    第一節 敘述統計量分析 40
    第二節 相關係數分析 63
    第三節 實證結果之報導與分析 64
    第伍章 結論與建議 74
    第一節 研究結論 74
    第二節 研究限制與建議 76
    參考文獻: 77
    中文文獻: 77
    英文文獻: 78
    Reference: 中文文獻:
    沈中華、呂青樺(2006),影響大陸地區銀行獲利能力與風險的因素, 中國大陸研究 (TSSCI), 第49卷第3期 , 頁119-142。
    沈中華、呂美慧(2007) ,本國銀行業逐年的競爭程度及其變化之分析,證券市場發展季刊(TSSCI),第19卷第2期,頁119-152。
    沈中華、張雲翔(2002), 金融機構跨業經營及轉投資之利潤與風險:全球實證分析,經濟論文,第30卷第3期,頁275-310。
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    Houston, J. F., C. M. James and M. D. Ryngaer (2001), Where do merger gains come from? Bank mergers from the perspective of insiders and outsiders,Journal of Financial Economics, 60(2-3):285-331.
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    Levinsohn, J., and A. Petrin (2003), Estimating production functions using inputs to control for unobservables. Review of Economic Studies 70: 317–342.
    Marcos, S. M., P. de A. Alonso, R. M. Elena, and E. V. González (2009), Board Determinants In Banking Industry. An International Perspective. 22nd Australasian Finance and Banking Conference 2009.
    Maria-Eleni, K. A, M. D. Delis, P. K. Staikouras (2008), The effect of board size and composition on bank efficiency, Electronic copy available at: http://ssrn.com/abstract=1320671
    Markowitz, H. (1952), Portfolio Selection, The Journal of Finance, 7(1): 77-91.
    Micco, A., U. Panizza and M. Yanez (2007), Bank Ownership and Performance Does Politics Matter? Journal of Banking and Finance, 31:219–241.
    OECD : http://www.oecd.org/home/
    Tanna, S., F. Pasiouras and M. Nnadi (2008), The effect of board size and composition on the efficiency of UK banks, Coventry University, Economics, Finance and Accounting Applied Research Working Paper Series, 05.
    Weintraub, D. B. and M. I. Nakane (2005), Bank Privatization and Productivity: Evidence for Brazil, Journal of Banking and Finance, 29:2259–2289.
    Description: 碩士
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0098380033
    Data Type: thesis
    Appears in Collections:[管理碩士學程/商管專業學院碩士學位學程 AMBA] 學位論文

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