本研究以倫敦國內外銀行為實證的對象。選取275家倫敦國內外的銀行為樣本，以1996年到2005年10年的分行數資料，採用Panel Data型態進行處理分析，以固定效果模式與隨機效果模式為估計方法。本文以Sang Rim Choi, Daekeum Park, and Adrian E. Tschoegl在1980到2000連續20年研究金融中心銀行進出的概念為主要架構，依據銀行本身的內在的變數、外部環境的變數，探討影響銀行分行數變動的主要原因，將實證的結果與過去文獻研究的結果互相印證，希望進一步提供相關銀行產業參考。
使用的變數分別為(1)銀行內部變數：總資產、ROA、自有資產率(2)外部環境變數：來源國及當地的GDP per capita和人口、兩國間的貿易流、文化因素以及城市之間的距離。實證結果如下：
本研究若是以英國境內的銀行到倫敦設立分行的情況來說，發現總資產及英國的GDP per capita對銀行設立分行呈現正向的關係，而自有資產率則是呈現負向的關係。若是以國外銀行至倫敦來設分行的情況來說，發現總資產、ROA和兩國間的貿易流呈現正向的關係，而當地的人口數與城市間的距離則呈現負向的關係。 / This study uses banks located in London as empirical objects. We picked 275 banks as empirical sample. The sampling period is from 1996 to 2005. We use data form is panel data and use fixed effect and random effect approach to verify. This study was based on the conception from Sang Rim Choi, Daekeum Park, and Adrian E. Tschoegl (1980 to 2000). To try find out the important factors that affect on variations of the branches in accordance with inner variables and outer variables. The empirical results can test traditional theory and provide the results to the managers of the banks.
The independent variables are (1) inner variable: total asset、ROA、equity divided by total asset and (2) outer variables: foreign countries’ GDP per capita and population、UK’s GDP per capita and population、trade flows between foreign countries and UK、cultural factor and distant between cities and London. The empirical results are as follows:
In local banks case, the result shows total asset and UK’ GDP per capita both have significantly positive effect on numbers of the branches. On the other hand, E/TA has significantly negative effect on numbers of the branches. In foreign banks case, the result shows total asset、ROA and trade flows all have significantly positive effect on numbers of the branches. On the other hand, UK’ population and distant both have significantly negative effect on numbers of the branches.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0093258018 |
| Creators | 鄭俊緯 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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