- 學位論文
On the Relationship Between Bank’s Lending Strategy and Operating Performance: The Case of Taiwanese Banks During the Financial Crisis
On the Relationship Between Bank’s Lending Strategy and Operating Performance: The Case of Taiwanese Banks During the Financial Crisis
並列摘要
The study explore that the operating performance which is influenced on the banks’ lending strategy in the financial crisis. Furthermore, we use two samples for regression model test including the public banks and private banks. The data period estimate from 2005 to 2014 and there are twenty-three domestic banks in Taiwan. We exploit the panel data models to analyze with quarterly data. The empirical results indicate that there is significantly negative relationship between LS and ROE in the public banks and the private banks. Nonetheless, there is significantly positive between LS*Dcrisis and ROE in the public banks and the private banks. That is to say, the banks have a great operating performance on business lending in the financial crisis period. The reason is that they prefer the corporations to be the borrowers in order to ensure steady interest income. In the average sample period, the banks earn profit on consumer loans. In addition, capital adequacy ratio (CAR)、non-performing loans provision coverage (NPLC) 、expense ratio (ER)、net interest margin (NIM)、current ratio (CR)、loan-deposit ratio (LDR) have an impact on either lending strategy or operating performance.