金融產業結構行為與績效之研究－以台灣金融控股公司為例

A Study of Structure Conduct and Performance in the Financial Industry-An Example of the Financial Holding Company in Taiwan

王友慶(Wu-Ching Wang)

指導教授 ： 顏義文 ； 彭俊揚

長榮大學/管理學院/經營管理研究所(博)/碩士(2006年)

摘要

民國90年11月施行「金融控股公司法」，准許銀行業、保險業與證券業之間相互跨業經營，加速了金融產業的合併，透過整合使其相異行業結合提升其績效。本研究以金管會的兩大指標為基礎，加上產業組織理論之「結構－行為－績效（Structure－Conduct－Performance, SCP）」理論，針對台灣上市櫃銀行業在金控與非金控架構下之產業特性，透過SCP模型的分析，探討其市場結構、行為及績效所受影響因素及三者間之關聯性。
1. 經Pearson相關分析後，發現提升市場佔有率和資產佔有率會對企業績效有正向的影響。另外，市場佔有率（MS）與資產士市佔率（AS）呈現顯著且為負的現象，由此可知，成立金控只是第一步，成立後要擴大客戶市場，又是另一個要面對的問題。
2. 單變量分析後，我們能確定的是，金控成立後，在金控架構底下之銀行其資產規模是顯著高於其它銀行的。但成立金控後，並不代表市場佔有率也會馬上顯著的增加。
3. 經過階層迴歸後，第一個變項區組呈現顯著現象，則代表在金控架構下之銀行（FH）在金控成立後（DU1）其績效表現優於其它銀行，且達統計顯著的現象。第二個區組中我們可以發現，在控制了金控變項後市場佔有率（MS）、資產市佔率（AS）和負債比率（LR）皆達顯著水準。表示市場佔有率（MS）、資產市佔率（AS）及負債比率（LR）的上升皆對於績效有正向且具統計顯著水準的上升效果。

關鍵字

金控公司 ； 「結構－行為－績效（S-C-P）」理論

並列摘要

Financial Holding Company Law issued in in November of 1999, Permit
and manage in the stepping industry each other among the banking,
insurance and securities business, Two major indicators that this research
is in charge of being known with the gold are as the foundation, ones that
added industrial organization theory ' Structure-Conduct-Performance,
SCP' theory, accuse of with accusing of the industry characteristic under
the structure money in gold to Taiwan listing cupboard banking, through
the analysis of SCP model, the ones that probes into its market structure,
behavior and performance and receives among influence factor and the
three are related.
1. After Pearson analyzing, we find it raise occupation rate of market and
assets occupation rate can have to enterprise performance to influence. In
addition, the occupation rate of market ( MS) With the taking rate of
person's market of the assets ( AS) It is and the negative phenomenon to
appear apparently, therefore can know, establish gold it accuses of to be
only first, is it expand customer market to want after establishing, it is
another one that want question that face.
2. After single variable analyzing, we can be confirmed, after the gold
accuses of establishing, it is higher than other banks apparently to accuse
of its scale of assets of bank under the structure in the gold. But establish
the gold after accusing of, does not represent increase that occupation rate
of market will be at once apparent.
3.Through regression analyzing accuse of the bank under the structure in
the gold ( FH) After the gold accuses of establishing (DU1) Its
performance displays and is superior to other banks, and is reaching and
counting the apparent phenomenon.In control money accuse of
IV
occupation rate of market after one ( MS) , the taking rate of assets
market ( AS) With the rate in debt ( LR) All reach the level of showing.
Express the occupation rate of market ( MS) , the taking rate of assets
market ( AS) And the rate in debt ( LR) Rising have all about
performance to and have if counting, show by result not ascending of
level.

並列關鍵字

Financial Holding Company ； Structure-Conduct-Performance ； Theory

參考文獻

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