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    Title: 金融機構地理擴張與財務績效指標之實證研究
    Authors: 吳建輝
    Contributors: 沈中華
    吳建輝
    Keywords: 金融中心
    引力模型
    多國銀行
    金融機構
    地理擴張
    財務績效指標
    Date: 2006
    Issue Date: 2009-09-14 13:39:06 (UTC+8)
    Abstract: 本研究以大型金融機構在四個大內金融中心建立的據點來分析金融中心之間彼此互相交流的程度,以及金融中心的銀行家數來衡量金融中心對各家大型金融機構的吸引力,並試圖運用引力模型(Gravity Model)與財務績效指標找出對大型金融機構到海外建立據點的決定因素。
    首先,針對金融機構的地理擴張進行研究,整理全球銀行的產業特性、業務、組織型態與其在海外建立據點的動機之相關文獻。其次並研究國際金融中心發展的成因與衡量金融中心的相關條件,並選擇亞洲、美洲、歐洲等地的區域金融中心作分析,並依所得高低分為已開發國家城市、開發中國家城市及新興市場,結果發現據點個數有逐年增加的趨勢,尤其是歐美系的銀行對於亞洲新興市場的據點增加最為快速。
    最後本研究以世界排名前三百大之銀行分為美洲、歐洲、日本與亞洲大洋洲等四大區域,並以其財務資料對各區域金融中心的據點數進行簡單迴歸;從資料分析中我們可以發現日本地區銀行的績效最差,但對於亞洲開發中國家的金融中心投資最為積極,較偏好勞力成本低廉的地區進行投資;歐洲地區銀行資產規模龐大,較重視據點對股東權益的保障與獲利性,國內存放款愈少,將增加往海外設立據點的動機;美洲銀行的績效指標最佳,獲利對據點的設立有顯著的吸引力,能降低成本,增加收益;亞洲與大洋洲其他地區銀行較重視對已開發國家金融中心的投資,在這些地區較能增加獲利,減少產生備抵呆帳的風險。但最能解釋大型金融機構的因素,為資產的大小,資產排名在前一百名者,對於進行地理擴張的策略佈局最明顯,尤其是上海和倫敦。引力模型對金融業的對外投資獲得良好的結果,能清楚地解釋金融機構在金融中心設立據點的個體財務因素為何。
    Reference: 中文文獻:
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    Saunders.A(2001),郭照榮 & 沈中華譯,「金融機構管理」,華泰初版。
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    Description: 碩士
    國立政治大學
    財政研究所
    93255010
    95
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0093255010
    Data Type: thesis
    Appears in Collections:[財政學系] 學位論文

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