政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/53931
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    Title: 銀行業公司治理及成本綜效與效率之相關性探討
    Other Titles: Corporate Governance, Cost Synergy and Efficiency---The Analysis of Banking Industry in Taiwan
    Authors: 鄭士卿
    Contributors: 國立政治大學風險管理與保險學系
    行政院國家科學委員會
    Keywords: 效率;公司治理;購併;二次金改;銀行保險
    Efficiency;Corporate Governance;M;Second-stage Financial Reform;Bancassurance
    Date: 2009
    Issue Date: 2012-10-22 15:45:37 (UTC+8)
    Abstract: 本研究計畫藉由分析台灣銀行業1998至2006年的資料,探討 (1)公司治理以及 (2)成本綜效及成本節省對銀行業效率的影響。本計畫首先延續過去文獻,就成本及規模效率來比較公民營銀行是否擁有各自的競爭優勢,以及公營銀?是否應與民營銀行合併。此外,針對銀行業中主要的公司治理機制,包括民營化、本國銀行間合併及外資購併等,可能對績效產生重大且不一致的影響,本計畫將其納入同一計量模型中考量。以此方式將可避免只考量單一機制時模型錯誤設定(model misspecification) 的問題以及偏誤的結果。最後,本計畫就銀行業在參與銀行保險時是否能達到成本綜效及成本節省作一探討。 本計畫的實證結果對民營化及二次金改的政策,乃至於鼓勵外資進行購併與否將有重要的意義。另外,本計畫也將對本國銀行是否擴大對銀行保險的參與度提供建議。
    In this three-year project, we examine the impact of corporate governance and cost synergy on efficiency in Taiwanese banking industry from 1998 to 2006. We first examine the cost and scale efficiency of state-owned versus private banks because the cost saving and scale economies provide major motivations banks want to involve in M&A activities. We then consider major corporate governance mechanisms—including domestic M&As, privatization and foreign acquisitions altogether on bank performance. Finally, we examine whether cost saving and cost synergy can be created through bancassurance. We intend to see whether bank efficiency improves when the degree of involving in bancassurance increases. Our results provide important policy implications on the future direction of the second-stage financial reform. We also provide evidence on the issue of whether banks should involve more in the business of bancassurance.
    Relation: 基礎研究
    學術補助
    研究期間:9808~ 9907
    研究經費:573仟元
    Data Type: report
    Appears in Collections:[Department of Risk Management and Insurance] NSC Projects

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