碩士 / 淡江大學 / 財務金融學系碩士在職專班 / 100 / Deposit insurance policy is a member of financial safety net, but it is contentious.
Depositors would reduce sensitivity for the risk of financial institutions, when government offer certain amount of indemnity to depositor’s deposit saving in financial institutions, in particular of the amount being too much or FULL.
This study examine the growth rate and the price of deposits on a sample of 23 banks, 25 credit cooperatives, and 276 credit departments of farmer’s and fishermen’s associations in Taiwan during the 1st season of 2003 to 2nd season of 2011 to measure whether depositor discipline has effective effect and the impact of these regulatory changes on depositor discipline in a panel data methodology.
According to the empirical results, depositor discipline effect exists in Taiwan financial institutions. Profitability is a good indicator to predict depositor discipline for banks and credit cooperatives. BIS ratio is another good one after financial tsunami.
To credit departments of farmer’s and fishermen’s associations with high loan/deposit ratio, depositors would require higher interest rate, due to mistrust that they own the ability to manage deposit fund well probably.
Most people believe there is a too-big-to-fail policy.
| Identifer | oai:union.ndltd.org:TW/100TKU05304003 |
| Date | January 2012 |
| Creators | Zhung-Yi Zhao, 趙宗毅 |
| Contributors | Yun-Yung Lin, 林允永 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 66 |
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