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| Title: | 大陸銀行所有權與經營績效及風險關聯性 之探討
The association between ownership, performance and risk in Chinese Banking |
| Authors: | 許念伊
Hsu, Nien-Yi |
| Contributors: | 李佳玲
Lee, Chia-ling
許念伊
Hsu, Nien-Yi |
| Keywords: | 所有權
非利息收入
經營績效
Ownership
Non-interest income
Performance |
| Date: | 2019 |
| Issue Date: | 2019-07-01 10:42:42 (UTC+8) |
| Abstract: | 外資銀行在中國非利息收入業務之發展較早，惟其非利息收入是否能提高獲利且降低風險，均有正反兩方不同之論述。本文以透過分析2009年至2017年中國國有銀行與外資銀行為研究對象，探討所有權之差異對銀行經營績效及風險之關係，並進一步分析機構投資人之不同，對銀行非利息收入之影響。實證結果顯示：外資持股之銀行在非利息收入表現確實優於中國國有銀行、有較高的資本適足率及較低的資產風險，惟在資產報酬率及股東權益報酬率表現上不如國有銀行。非利息收入業務對銀行發展的利弊需考量許多因素，包括國家發展程度、銀行種類及銀行規模等變項，開發非利息收入業務雖能使業務種類更多元，增加報酬，但也可能加深風險與報酬間的抵換關係。透過分析中國大陸獨特的發展背景，本文應可提供外國銀行進入中國市場，或台灣佈局中國銀行業參考之指南。
The foreign-owned banks entered China earlier while the improvement from non-interest income is still not clear whether beneficial to profit and reducing the risk when comparing with state-owned banks. By analyzing the data from 2009-2017, this article revealed the truths the difference of ownership do influence the performances, risks and diverse outcomes from different institutional investors to non-interest income which leads foreign-owned banks behaves superior in capital ratio and less asset risk than Chinese government-owned banks though the ROAs and ROEs are worse than latter. The influence of non-interest income of bank development is decided by many factors, including the degree of national development, the type of bank and the size of bank. The development of non-interest income business will increase the variety of services and enhance the remuneration, but it may also deepen the trade-off between the risk and the return. By exploring unique background of Chinese banking market, this article may provide a guide for foreign banks wishing to enter Chinese markets and researchers interested in Chinese banking industry. |
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| Description: | 碩士
國立政治大學
會計學系
106353113 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0106353113 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU201900024 |
| Appears in Collections: | [會計學系] 學位論文
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