碩士 / 逢甲大學 / 金融碩士在職專班 / 103 / This study explores the operating performance of Taiwan’s commercial banks before and after the “Financial Tsunami”. This paper measures the operating performance of banks by return on assets, and separately takes total assets, non-performing loans ratio and capital adequacy ratio as the independent variables related to banks’ assets quality; and takes growth rate of loans, growing rate of net profit and revenue growth rates as the independent variables related to banks’ growth rates of operations. On the basis of annual financial reports of thirty commercial banks in Taiwan from 2002 to 2013, dividing the subject into three groups and two time points of before and after the “Financial Tsunami”, in terms of various types of groups, this study uses panel ordinary least squares (POLS) regression model to carry out empirical comparison of analysis. The empirical analysis results show:
1.Before the “Financial Tsunami” (2002-2008), with respect to growth rates of operations, the three groups’ performance was the eight large commercial banks > the private commercial banks > the commercial banks after The Credit Cooperatives’ reorganization, however, during the entire study period (2002 - 2013) and after the “Financial Tsunami” (2009-2013), the three groups’ performance in operation was the private commercial banks > the eight large commercial banks > the commercial banks after The Credit Cooperatives’ reorganization. It can be seen in recent years, the private commercial banks’ performance in operation has gone beyond that of the eight large commercial banks. This study found that in recent years after the “Financial Tsunami” (2009-2013), the private commercial banks’ operating performance indicator return on assets were significantly better than that of the eight large commercial banks in comparison with the relatively low ratio of total assets and non-performing loans ratio; relatively high capital adequacy ratio, growth rate of loans, growing rate of net profit and revenue growth rates have amazed people by the private commercial banks’ operating performance in recent years. Obviously it shows this study’s selection of business performance indicator and variables research has fully demonstrated the ability of commercial banks operating performance study.
2. From the empirical regression analysis, it is found that there is the most significant negative relationship between the non-performing loans ratio and operating performance indicator return on assets, and consistent with the hypothesis of this study. In the expansion of credit business, in addition to the endeavor made for performance, all commercial banks still need to strictly control the risks, so as not to erode the operating performance.
| Identifer | oai:union.ndltd.org:TW/103FCU05667025 |
| Date | January 2015 |
| Creators | 曹永宏 |
| Contributors | 江耕南 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 76 |
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