關係銀行、公司治理與銀行風險承擔行為之研究

Relationship Banking, Corporate Governance and Risk-taking Behavior for Banks

菅瑞昌(Andy Chein)

《風險管理學報》 5卷3期 (2003/11) Pp. 393-410

https://doi.org/10.30003/JRM.200311.0010

摘要

近年來在競爭持續加溫的同時，反映銀行風險承擔行為的逾放比率卻逐年攀昇，而關係銀行可使銀行在放款過程中更密切的監督借款客戶，期較有效的控制銀行的風險承擔行為，故本研究文乃針對二者間的關係進行探討，以瞭解關係銀行對銀行風險承擔行為的實質影響。由於公司治理對銀行風險承擔的行為，亦有相當的詮釋性，故對此議題的進一步分析，亦有其重要性。此外，本研究將規模與榮估期間等其他相關構面一併納入，以期有更為完整與多面貌的探討。結果發現，反映關係銀行程度的往來家數對逾放比率具有顯著正向的影響。

關鍵字

關係銀行 ； 公司治理 ； 風險承擔行為

並列摘要

In recent years, the nonperforming loan ratio to reflect bank risk-taking behavior is increasing within the environment of intensive competition. The relationship banking has the ability to closely monitor firm management over the course of the loan. This research tries to study the impact of relationship banking upon bank risk-taking behavior. Another important factor to explain bank risk-taking behavior is the corporate governance. Beside, we add some other items in this study to make the outcome more complete and proliferating. The empirical results provide evidence that the relation between multi-bank borrowing index and nonperforming loan ratio is positive and significant.

並列關鍵字

Relationship Banking ； Corporate Governance ； Risk-taking Behavior

參考文獻

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