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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
    杜昆澄
    Keywords: 金控銀行
    經營績效
    股東會結構
    官股銀行
    資本適足率
    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。
    本論文之主要實證結果顯示,研究期間台灣銀行業的獲利表現受到金融風暴影響。對金控銀行而言,資本適足率與獲利能力間呈正向關係。金控銀行放款成長率及投資成長率與獲利能力呈負向關係,表示透過多角化業務發展對金控銀行獲利有所幫助。針對官股銀行與非官股銀行獲利表現之探討,實證結果顯示其差異並未達顯著水準,表示非官股銀行與官股銀行的經營績效差異不顯著。
    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:
    王文宇(2001),控股公司與金融控股公司法,元照出版公司,頁125-180。
    呂明靜(2009),本國銀行業多角化經營對獲利與風險之影響,國立政治大學行政管理學程碩士論文。
    李建強、謝孟芬、楊麗靜(2010),銀行競爭對獲利的影響效果分析─動態追蹤資料模型的應用,公平交易季刊,第18卷第2期,頁131-170。
    杜玉振、林東和、涂登才及蔡知敏(2007),同業、異業購併與金融控股公司之營運綜效,台灣金融財務季刊,第8輯第1期,頁1-28。
    沈中華(2001),「銀行的異業合併—互補性與文化差異?」,貨幣市場,第5卷第3期,頁15-28。
    沈中華(2002),金控公司的銀行與獨立銀行CAMEL比較:1997~1998,台灣金融財務季刊,第3輯第2期(91年6月),頁73-94。
    沈中華(2005),銀行評比:推估品質一致的盈餘,金融風險管理季刊,第1卷第3期,頁89-105。
    沈中華、林智勇(2009),銀行民營化的績效表現-配對理論的應用,經濟論文,37卷3期。
    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。
    沈怡君(2009),異業合併程度對金融控股公司經營績效的影響,政大行政管理碩士學程碩士論文。
    張世昌(2007),金融控股公司股權集中度對公司價值影響之研究,國立政治大學行政管理碩士學程碩士論文。
    黃台心,陳盈秀及陳佩欣(2007),台灣地區本國銀行業長期效率的動態分析,經濟論文,第35卷第1期,頁83-114。
    賴憶如(2008),跨業經營對銀行獲利與風險之研究,國立政治大學行政管理學程碩士論文。
    金管會銀行局: http://www.banking.gov.tw/
    英文文獻:
    Acharya, V., I. Hasan, and A. Saunders (2006), Should Banks be Diversified? Evidence from Individual Bank Loan Portfolios, Journal of Business, 79( 3) :1355-1412.
    Barth, J. R., G. Caprio, and R. Levine (1999), Banking Systems around the Globe:Do Regulation and Ownership Affect Performance and Stability?, The World Bank Working Paper, No. 2325.
    Basel Committee http://www.bis.org/publ/bcbsca.htm/
    Berger, A. N. and L. J. Mester (1997), Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions? Journal of Banking & Finance, 21:895-947.
    Boubakri, N., J. C. Cosset, K. Fischer, and O. Guedhami (2005), Privatization and Bank Performance in Developing Countries, Journal of Banking and Finance, 29:2015–2041.
    Bonin, J., I. Hasan, and P. Wachtel (2005), Privatization Matters: Bank Efficiency in Transition Countries, Journal of Banking and Finance, 29:2155–2178.
    Chen, T. Y. and T. L. Yeh (2000), A measurement of bank efficiency, ownership and productivity changes in Taiwan, The Service Industries Journal. London, 20(1).
    Esho, N. (2005), Diversification, Fee Income, and Credit Union Risk, Journal of Financial Service, 27(3): 259-281.
    Geller G. (2009), A Descriptive Study of Boards of Directors in Latin America, Electronic copy available at: http://ssrn.com/abstract=1494338.
    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.
    Kwan, S. H. (1997), Securities Activities by Commercial Banking Firms Section 20 Subsidiaries: Risk, Return, and Diversification Benefits, Federal Reserve Bank of San Francisco Working Papers.
    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
    國立政治大學
    商管專業學院碩士學位學程(AMBA)
    98380033
    99
    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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