Corporate governance is usually related to corporate performance. Corporate governance means company should be controlled and monitored to protect the stakeholder¡¦s rights, and keeps creating profit by making company run well. Usually there are some companies run well during the financial crisis. This essay separates the companies into good corporate governance companies and bad corporate governance companies. First it shows the relationship between performance and corporate governance. Second, it proves companies which have good corporate governance actually perform better during the financial crisis. It classes three industries to discuss, which are financial industry, traditional industry, and electronic industry. It uses 8 corporate governance indexes to identify the relationship between performances. The samples are from 2000 to 2009, and it defines 2008 and 2009 as the span of financial tsunami in the research. In this research it use ROA, ROE , and Tobin¡¦Q to represent the company¡¦s performance.

This thesis researches the development process of financial certificate in Taiwanese banking. In recent years, financial certificate is an important phenomenon in the workplace of finances. Previous studies focused on the impact of the certification, discuss the formation of financial certificate less. In this article, the view of institutional change regards the banking certificate institution as long duration to consider state, the different period of capital and other actor that have different mechanisms of their interactions in institutional formation process. The research method of this thesis adopt analysis of historical documents and interview to understand the formation of financial certification. Study found that the development of the banking certificate can be divided into three stages: the first stage is incubation. Financial employees in the era of state-owned banking had quasi-public servant status, and rely on the apprenticeship training skills through examinations. In the financial liberalization policy, the new banks joined the market so that employee turnover was high; with college increasing rapidly, in the past through internal training structure had become break down. At the same time, the state proposed the Asia Pacific Financial Center from the traditional conservative financial policy to active, established Taiwan Academy of Banking & Finance (TABF) to handle related business of financial certificate, and created the precedent of certification. The second stage is after that establishment of financial holding companies. The finances boundaries are broken. The banking business is more and more complexity. Securities certificate institution having long been customary in securities industry is further stable. The number of banking certificate increased sharply in this stage. The third stage is Institutionalization. TABF develop new certificate continuously, make kinds of banking business certificated, but employees tend to lukewarm response, examinees turned down sharply. At this time, certification is an institutionalization action to pursuit of legitimacy, rather than respond to real needs. This article affirms the view of new institutionalism, and point out the initial of institutional formation indeed response to new financial development. However, at a later stage the action of institutionalization is only for pursuing legitimacy.

Abstract Preparing for retirement is a complex task at which some individuals succeed while others do not, often with dire consequences. A model of investor behavior including retirement planning and saving is tested in a Taiwanese sample of full-time working adults. 134 participants completed a questionnaire about future time perspective, retirement goal clarity, financial literacy, retirement planning activity level and monthly savings contributions. Results indicated that FTP was a significant predictor of savings contributions and goal clarity which in turn predicted financial literacy and planning activity level. Financial literacy predicted planning activity level. No support was found for planning activity level as a predictor of monthly savings contributions. A three-way interaction with FTP, financial risk tolerance and financial knowledge as predictors of savings contributions was approaching significance, but small sample size likely limited statistical power. Path analysis shows some support for a model of retirement planning proposed by Hershey (2004) though data do not fit models previously tested by Hershey, Jacobs-Lawson, McArdle, and Hamagami (2007) and Stawski, Hershey and Jacobs-Lawson (2007). Instead a new model of retirement planning and savings contributions is proposed. However it is likely that savings norms affect contributions such that those who do not plan for retirement do not save at a rate lower than those who do. It is also likely that those who do plan for retirement invest rather than save disposable income. Keywords: retirement planning, personality, future time perspective, financial planning, financial literacy

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In this study, the Document Analysis Method is used to examine the ¡§Banking Services¡¨ in GATS from WTO documents and ¡§Core Principles for Effective Banking Supervision¡¨ from Basel Committee firstly. Secondly, the reform and open policy on banking in Mainland China during past decades has been reviewed. Emphases are put on the reform policy on account of the process of becoming a membership of WTO. Following part of the study focuses on Shanghai banking development. The history and reform of shanghai banking is the major subject. Besides, whether the blueprint of Shanghai banking and financial center will be achieved or not is also reviewed. In the study we find that Shanghai has a blooming economy, the banking industry in Shanghai also situates a leading position in Mainland China. But there are also many difficulties for Shanghai to overcome if Shanghai heads to achieve the goal of being an International Financial Center (IFC) in the world.

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Abstract 2,004 in June get up erupt one after another PROCOMP and so on the land mine stock, has brought the enormous impact to Taiwan's stock market, after these land mine stocks erupt one after another, stimulated the controlling organization to strengthen the management to go on the market the cabinet company's determination, planned many reforms plans and revises many laws, from aggravated illegal criminal and accountant the responsibility, the increase information transparency and realization company internal control aspect and so on execution reduces the possibility which the similar case occurred. Economics Value Added (EVA) is the use Residual Income the idea develops one financial achievements weight target, is different with generally recognizes accountant the principle by creditor's angle establishment finance report form, EVA is looks at the company by the shareholder value viewpoint the management achievement. This research by the economical attachment value inspection document company's transport business condition, examines EVA whether can utilize forecast to the enterprise finance crisis, and one of take documents PROCOMP as the example, carries on the financial ratio analysis, so as to the comparison finance ratio analysis and EVA use in effect of the enterprise finance crisis forecast. Conclusion of the this research as follows: First, by the case study result, the EVA appraisal method may take early warning signal the document corporate finance crisis. Second, the earnings compares by EVA and accountant, EVA can comparatively early respond the company manages the bad question, that is its financial crisis forewarns the effect to compare accountant the earnings to be good. Third, by sole or the sole category finance ratio appraisal document company whole management achievements is insufficient, and is easy to cause to sentence by mistake is appraised the company the real transport business condition.

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In 2000 and 2001,The Financial Institution Merger Act and Financial Holding Act were legislated in Taiwan. There are 15 financial holding companies established till now. Financial holding companies hope to diversify financial commodities to investors through joint-marketing and gain cost-saving and risk-control and improve financial performance. It expects to pursue and promote broad business scope. Cathay Financial Holding company, one of the financial holding companies, is the biggest financial holding company except the Taiwan Financial Holding company. Cathay Financial Holding company has total assets exceeding NTD 3.68 trillion. The subsidiaries of Cathay Financial Holding company include Cathay Life Insurance, Cathay United Bank, Cathay Century Insurance, Cathay Securities, and Cathay Venture Capital. The financial performance of subsidiaries of financial holding company becomes more sensitive due to competition of financial liberalization and macroeconomic variables changed. The research not only uses a multiple-regression model and reported here was trying to examine the macroeconomic variables that determine the financial performance of subsidiaries of Cathay Financial Holding company, but also uses a managing capital method EAR to discuss the risk-control of Cathay Financial Holding company. Keywords : Financial Holding company, financial performance, macroeconomic variables, managing capital, EAR