從我國銀行的併購案探索我國銀行業的最適控制

Exploring the Optimal Control of Taiwan's Banking Industry from the Taiwan's Banking Industry Mergers

黃聖志(Sheng-Shih Huang) ； 黃聖棠(Sheng-Tang Huang)

《南亞學報》 27期 (2007/12) Pp. 177-195

https://doi.org/10.6989/JN.200712.0177

摘要

1997年亞洲金融風暴後，國際間之銀行購併案履見不鮮。本文首先，說明我國銀行產業購併案及其特性。其次，從我國銀行產業購併案及其特性探索最適控制方程式。最後，應用此一最適控制方程式，當政府使用財政政策（如外生變數營業稅稅率變動），可使用政府支出之產出彈性與營業稅稅率是否存在差異簡易指標去檢視政策之有效性。此一方法可破除一般以為調降我國銀行產業營業稅調降的政策，可減少金融機構之成本，增加我國金融機構利潤，便可促進金融機構成長之迷失。

關鍵字

銀行併購 ； 金融改革 ； 營業稅

並列摘要

1997 Asian financial crisis, it created the best opportunities for bank mergers in the world. First, Taiwan's banking industry became a fierce competition industry since 1991. Secondly, Taiwan's government also decided to promote bank reforms and bank mergers in 2000. Fourteen financial holding companies were established until 2006. Furthermore, in this paper we try to conduct a theoretical model. Based on the assumptions of bank's going concern and risk aversion, we wish to find out the optimal control of financial holding company. Our government can use the simple index to test the optimal adjusting analysis of Taiwan's banking sales rate.

並列關鍵字

bank mergers ； financial reform ； Taiwan's banking sales rate