政府效能、跨業限制與銀行績效的關係-跨國實證分析

Governance Efficiency, Diversification Restriction and Bank Performance – Transnational Banking Positive analysis

盧志憲(Chih-Hsien Lu)

指導教授 ： 吳孟紋

國立臺北大學/商學院/企業管理學系/碩士(2012年)

摘要

本論文的主要目的在於探討「跨業經營」、「政府效能」和「銀行績效」的關聯性。本研究由「個體」的銀行角度出發，探討銀行是否可跨業經營證券、保險、不動產和非相關銀行業務，對於銀行獲利績效的影響程度；另由「總體」的觀點思考，政府效能的高低，對於不同國家的銀行於利潤和風險的差異。
我們以全球46個國家的商業銀行、儲蓄銀行和合作銀行，由2005年至2009年，6,570家銀行為研究對象，探討各國銀行的跨業經營與否和政府效能對於銀行獲利能力的影響。研究結果顯示當銀行可涉足證券業、不動產業和非相關銀行業時，對於銀行績效有顯著影響，因此跨業限制的解除，對於銀行來說具有明顯的效益。另就政府效能對銀行績效的影響，我們發現政府效能越佳者，則銀行績效也會較佳；反之，則銀行的獲利能力將會下降。

關鍵字

銀行跨業限制 ； 政府效能 ； 獲利能力

並列摘要

The main purpose of this thesis is to explore the relevance of diversification operation, government effectiveness, and bank performance. The study was through individual bank angle to explore whether banks can engage in securities, insurance, real estate and non-financial business impact for the banks’ profit performance. From the overall point of view, the level of governance efficiency for country’s bank profit and risk difference.
We are based on commercial banks, savings banks and cooperative banks in 46 countries around the world, from 2005 to 2009, and 6570 banks as our sample to explore each country’s bank diversification operation or not and the governance efficiency impact for the bank’s profitability. The results show that when the banks involved in the securities industry, real estate industry and non-related banking, bank performance have a positive significant effect. The lifting of restrictions on diversification, has obvious benefits for banks operation. Another of the government's performance impact on bank performance, We found that with better governance efficiency, the bank performance will be better. On the contrary, the bank's profitability will decline.

並列關鍵字

Cross-industry restrictions ； government effectiveness ； profitability

參考文獻

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