博士 / 逢甲大學 / 金融博士學位學程 / 106 / This study aims to explore the impact of financial innovation and overseas branches on the operational performance of domestic commercial banks. In this paper, the bank operating performance is measured by the rate of return on assets. The ratios measured by the number of inventions, designs, new types of patent cases and the total number of bank branches in Asia and non-Asia are used as explanatory variables. In addition, the are the control variables related to the quality of bank assets; the growth rate of lending, revenue growth rate, and net profit growth rate are control variables related to the growth rate of bank operations. According to the number of annual financial innovation cases, total number of overseas branches and financial data of 30 Taiwanese commercial banks from 2002 to 2016, and divided into three groups, panel data regression models are used for empirical comparative analysis of different types of groups. The empirical analysis indicates:
In the analysis of the ratio of financial innovation net patent cases and bank operating performance, the ratio of net patents for design patent cases has a significant positive correlation with the return on assets in the total sample and the commercial banks after the Credit Cooperatives’ reorganization; the invention net patents in all the samples and private commercial banking groups was not significantly negatively related to the bank operating performance return on assets; the ratio of net patents in the new type of patent cases was significantly positively related to the return on assets of bank operating performance in the whole sample. In general, the ratios of both net design and new patent cases, both have a significant positive impact on commercial banks' operating performance. However, the ratio of net patents for invention patent cases has no significant negative impact on commercial banks' operating performance. Therefore, domestic commercial banks should focus their financial innovations on the design and new types of patents in order to improve their operating performance.
In the analysis of overseas branch and bank operating performance, it was found that the ratio of Asian branches was positively related to the bank operating performance return on assets in private commercial banks and all the samples; the ratio of overseas non-Asian branches has a significant positive correlation with bank operating performance return on assets in all samples, eight major banks, and private commercial banks. Overall, regardless of the ratio of Asian branches or overseas non-Asian branches, there is a significant positive effect on the operational performance of domestic commercial banks. Therefore, domestic commercial banks should strive to go opening branches aboard to improve bank operating performance.
In terms of marginal effects, the ratio of net patents for financial innovation design patent cases has a positive effect on the operating performance of all sample banks, which is better than that of new patent cases. At the same time, the ratio of overseas non-Asian branches has a positive effect on the operating performance of all sample banks, which is better than that of Asian branches.
In the regression analysis of the operating performance of three different groups, it was found only that the growth rate of lending was not significantly related to the operating performance of the eight leading banks. It is evident that indeed there is great risk in the eight major banks' conforming to large-scale lending cases implemented by government policies. Therefore, to improve the quality of lending is the top priority for improving the operating performance of the eight major banks.
Keywords: financial innovation, overseas branches, commercial banks, operating performance, panel data regression model
| Identifer | oai:union.ndltd.org:TW/106FCU01213005 |
| Date | January 2018 |
| Creators | Huang,Jung-Pin, 黃榮彬 |
| Contributors | Chiang ,Geng-Nan, 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 | 101 |
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