本文旨在研究我國本土銀行1999年12月至2020年03月經營績較表現,並針對公股銀行與民營銀行進行比較。本研究採用美國統一金融機構評等制度(Uniform Financial Institution Rating System)所提出之CAMEL評等法,作為衡量銀行經營績效之指標,並利用追蹤資料迴歸方法探討公股與民營銀行對CAMEL評等法各項指標(資本適足率、逾期放款比率、備抵呆帳覆蓋率、效率比率、員工平均獲利額、股東權益報酬率、資產報酬率、流動比率和存放比率)之影響。實證結果指出,民營銀行除流動比率外,表現皆優於公股銀行,顯示民營銀行在追求獲利的情況下,仍能保持良好的風險控管。
This research studies the operating performance of Taiwan’s domestic banks from December 1999 to March 2020, and compares the operating performance of state-owned and private banks. We use the CAMEL rating system, which is used by the Uniform Financial Institution Rating System, to evaluate the operating performance of the banks. Using panel data regression to examine the impact of bank ownership (in state-owned and private banks) on CAMEL rating system. Our empirical results show that the operating performance of private banks is significantly better than state-owned banks except for liquidity ratio.