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.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0098380033 |
| Creators | 杜昆澄 |
| 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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