本文資料來源為台灣經濟新報( TEJ ),研究對象為臺灣之金控公司,區分為2008年金融風暴時期,EPS受影響較大的公司或受影響較小的公司共10家金控,研究期間為2002年至2012年共11年,434筆資料,季資料。探討金控公司由產業經濟理論之「結構-行為-績效(structure-conduct-performance)」理論,使用敘述性統計、相關性分析及逐步迴歸進行研究。本研究的實證結果為:不論金融風暴時EPS影響較多或較少之金控公司,催收款比率對各實證之整體模型績效面皆有負面影響。因此金控公司追求績效獲利的同時,如能採取有效抑制逾放之措施,對金控公司營運之規劃將具有長遠之助益。
This study probes Taiwan’s financial holding companies, divided into two groups, which are those of greater EPS affected and the less EPS affected in the 2008 financial turmoil period, ten companies in total; the study period from 2002 to 2012, a total of 11 years, 434 items, quarterly data from the Taiwan Economic Journal (TEJ). This study explores the financial holding company by the industrial and economic theory "structure - conduct - performance" theory, using descriptive statistics; correlation analysis and stepwise regression were studied. The conclusion of the study is that the EPS impact of the financial turmoil in holding companies, whether more or less affected by the financial, nonperforming loans ratio for the overall model performance are negative. Therefore, while financial holding companies are pursuing profits, it is also important at the same time to strengthen the ability to take effective measures to suppress non-performing loans. And that would have long-term help to the financial holding company's operations.