台灣地區銀行信託業務影響因素之研究

A Study on the Factors Affecting Bank Trust Business in Taiwan

郭貞吾(Chen-wu Kuo)

指導教授 ： 陳弘吉 ； 邱國欽

朝陽科技大學/管理學院/財務金融系/碩士(2009年)

摘要

近年銀行業之放款利率大幅降低，以致銀行整體存放利差縮小，國內銀行業者為了生存，努力尋求無風險收益之獲利來源。以及與信託業務密不可分的財富管理業務興起，國人對財富管理之需求日增，於是我國各銀行便開始設立財富管理部門，為客戶提供投資理財之相關服務。而以金錢之信託為大宗的信託業務，對銀行而言，信託業務的發展與績效優劣，與銀行現有之其他業務部門或營運績效間有何關聯性，是一值得深入探討的問題，也是本研究的重點。
本研究以34家本國銀行為研究對象，採用金管會及信託公會之公開資訊為變數，進行分析研究。本文使用11個銀行業務營運變數，作因素分析萃取因素，再利用3個信託業務相關變數針對樣本銀行作群集分析加以適當分群。實證發現，以信託業務為主對銀行的分群結果(依次命名為核心銀行、高成長銀行、一般性銀行)與銀行業務營運變數所萃取的3個因素(依次命名為存款業務、成長獲利、信用卡業務) 作變異數分析有顯著差異；再透過單變量變異數分析，僅有存款業務對信託業務三群組有顯著性差異；另外，事後檢定結果發現存款業務表現的優劣順序為核心銀行、高成長銀行、一般性銀行。而迴歸分析結果亦顯示銀行存款業務及信用卡業務與信託業務之發展具顯著性差異且為正相關，表示此二因素對信託業務的推廣有極大的助益。

關鍵字

信託業務、因素分析、群集分析、變異數分析、迴歸分析

並列摘要

In recent years, the banking sector reduced the lending rate dramatically, causing banks to reduce their profit margin. In order to survive, the domestic banks explore sources of risk-free revenue as profit. In addition, the rising awareness of wealth management drives the public to raise the appetite for accessing related knowledge. Thus, banks starting to set up wealth management department to provide customized wealth plan services for its customers. The development and the performance of the trusting business, for the most part the trusting of bulk money, and its relationships between the existing operation and departments is something worth look into and is the focus of this study.

In this study, using 34 domestic banks as the research object based the information published by the FSC and the Trust Association of Public Information on June 2007 for the variables study. In this paper, setting 11 banking operating as variables to factor analysis for factor extraction. Then use three variables of the trust business for cluster analysis the samples into appropriate grouping. Empirical results from clustering the trust business by the three variables show three clusters, named as core banks, growth banks, and general banks. Banking business operate with significant differences in three factors, as deposit-taking business, profit growth, and credit card business. Analysis three clusters with three factors by MANOVA for significant differences. Furthermore through ANOVA, only deposit-taking business displayed significant differences. The study finds that the performance of deposit-taking business is greatest in core banks, followed by growth banks, and finally general banks. The finding also exhibited noticeable positive development difference between bank deposits and credit card operations with the development of trust business; which indicated both are great help in promoting the trust business.

並列關鍵字

trust business ； factor analysis ； cluster analysis ； analysis of Variance ； regression analysis

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