台灣金融銀行業之特質及經營績效之研究

An Empirical Study of Bank Characteristic and Efficiency for Taiwan Banking Idustry

廖鴻芳(Hung-Fang Liao)

指導教授 ： 方顯光

共同指導教授 ： 吳 克(Ko Wu)

健行科技大學/商學院/國際企業管理研究所/碩士(2013年)

摘要

台灣成立金融控股公司已有10多年的時間了，在這段時間裡，金融控股公司的成立及政府政策的推動是否對台灣銀行業經營效率的改善有所助益即為本文欲研究的目的。基於此項研究動機，本研究衡量整體銀行之經營績效，並比較金融控股公司之子銀行與非金融控股公司之獨立銀行，衡量兩者之間績效的差異。並探討在政府政策的推動下，對其績效的影響。藉由對銀行經營績效的研究分析，可提供銀行經營者及主管機關一個改善效率的參考指標。我國為因應此金融自由化的趨勢，開始對金融業的管理逐步開放，1984 年放寬銀行增設分行之限制，1985 年廢除利率管制條例，更於1989 年大幅修改銀行法，1991 年除開放新銀行設立外，亦准許部分信託公司及信用合作社改制為商業銀行，並開放保險、票券金融及證券金融公司之設立。且銀行為提供社會大眾及公司企業所需的各式金融服務的機構，其重要業務之一乃存放款，同時也是一個經濟社會資金需求與供給的中介，扮演著經紀與資產轉換的功能由於銀行對於一國總體經濟內之資金流動具重要性，因此金融機構的健全發展與否實為我們所應關心之課題。受到金融風暴、國際景氣低迷、產業外移及國內政黨輪替使政經情勢不穩定等政經因素的影響，使得國內金融機構經營環境持續惡化，逾放比率持續升高。面對當前的金融困境，政府乃召開多次的財經會議研討改善之道，啟動銀行業體質改造計畫，整合金融，以提升金融競爭力為目的。

關鍵字

金融控股公司 ； 經營績效

並列摘要

Taiwan set up financial holding companies has been over 10 years of time in order, this time , fund financial holding company set up and the government policy of promoting the whether the Bank of Taiwan Bank industry operating efficiency rate of improvement has been the purpose of aid beneficiary is this article wish to study the Based on the motivation of this study, the measure of the overall operating performance of the bank, and compare the financial holding company, the son of banks and non-financial holding company, Independent Bank, the performance difference between the measure of both. And to explore the impact of government policy, driven by its performance. By analyzing the operating performance of the Bank, to provide operators and competent authorities of the bank to improve the efficiency of the reference index. Our response to the trend of financial liberalization, gradual opening up of the management of the financial industry in 1984 to relax the bank additional branch restrictions and the abolition of interest rate regulations in 1985, substantial changes to the Banking Act in 1989, 1991 In addition to opening up new banks to set up part of the restructuring of trust companies and credit unions also allow for commercial banks, and open the establishment of the insurance, bills finance and securities finance companies. Bank to provide the community and the company's business needs all kinds of financial services institutions, one of the important business is deposits and loans as well as an economic and social capital demand and supply of intermediary, acting as brokers and asset conversion function because banks capital flows within a country's overall economic importance, so the sound development of financial institutions or not, in fact we should be concerned about the subject. By the financial turmoil, the international recession, the political situation unstable political and economic factors affect the flight of industry and domestic change in ruling parties, domestic financial institutions operating environment continued to deteriorate, the NPL ratio continues to rise. The face of the current financial difficulties, the government is held a number of financial discussion during the conference to improvement and start Banking physique transformation program, integrated financial, to enhance financial competitiveness.

並列關鍵字

Financial Holding ； Operating Efficiency

參考文獻

參考文獻

英文部分

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