碩士 / 東吳大學 / 會計學系 / 99 / This study was to explore the required capital and exposure in default of Taiwanese banks during 2008’s Financial Tsunami. The study applied Paired- Sample T test to analyze the Capital Adequacy Ratio fluctuation. The findings were as follows:
1.During non-financial tsunami, banks with higher Tier 1 Capital to Risk Assets Ratio showing higher significance. Negative correlate reveals in Overdue Ratio to Return On Assets, Return On Earning and Ratio of Interest Income to Annual Average Loans Outstanding, this implies lower Overdue Ratio reflects better bank performance.
During financial tsunami that the same status as non-financial tsunami except a positive correlate showing on Ratio of Interest Income to Annual Average Loans Outstanding, this is because the banks active decline bad debts and interest rates fall in recent years.
2.From the bank performance and Capital Adequacy Ratio perspective, higher significance reflects on each stage of those banks with higher Tier 1 Capital to Risk Assets Ratio. Positive correlate showing between Return On Asset and Capital Adequacy Ratio, higher ratio with better performance. Return On Earning and Ratio of Interest Income to Annual Average Loans Outstanding to Capital Adequacy Ratio showing negative correlate, this mean increase Capital Adequacy Ratio will decrease the rate of Return On Earning and Ratio of Interest Income to Annual Average Loans Outstanding.
3.Each bank raised Capital Adequacy Ratio after financial tsunami. Based on this paper’s classification standard, we found that increase Capital Adequacy Ratio of group A and group B did not have significant correlate, which implied local banks had enough capacity to suffer the impact of financial tsunami.
| Identifer | oai:union.ndltd.org:TW/099SCU05385004 |
| Date | January 2011 |
| Creators | Chien-Ting Lin, 林建廷 |
| Contributors | none, none, 馬嘉應, 楊葉承 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 53 |
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