銀行資金管理與經營績效關係之研究-以C銀行為例

The Relationship between the Bank''s Funds Management and Business Performance - Evidences from C Bank

蘇源勝(Yuan-Sheng Su)

指導教授 ： 賴本隊

朝陽科技大學/管理學院/保險金融管理系/碩士(2013年)

摘要

銀行資金管理乃在於調和銀行的功能，一方面要使資金運用能創造最大的利潤，另一方面更要維持適當的流動性與安全性，且現行銀行之間的競爭，為提升其經營績效，必須在資金管理的來源及運用上做最有利的管理，以提高銀行的獲利性。
本研究透過次級統計資料，採單一銀行在2004年至2011年的季報資料，以其資金管理與經營績效關係，運用敘述性統計及皮爾森積差相關分析進行研究，實證結果獲致以下的結論：
一、在各財務性指標均呈現主管機關所要求的水準之上。而存放款業務亦是在衡量銀行獲利性的重要指標之一，利差的高低不僅代表銀行於傳統業務的績效，更反映其風險承擔的能力。
二、在資金來源方面，C銀行的儲蓄存款佔總負債比重最高，其次為定期存款。在資金運用方面，中長期（擔保）放款佔總資產比重最高，其次是短期放款。
三、若存放款利差擴大，外匯存款對銀行所帶來的利潤更加可觀。顯示提高外匯業務的承作量，是為極佳的獲利方式之一。
四、民眾的儲蓄選擇除了台幣存款外，外匯存款的重要性亦逐漸增加。可勸誘定期性存款的客戶，風險性等級較低的投資商品，以降低營運的成本，增加手續費收入，對銀行的經營績效有所幫助。而在活期存款的部份，必須積極開拓新客源及推展企業員工薪資轉帳，以增加活期性存款的成長率。

關鍵字

經營績效 ； 資金管理

並列摘要

Bank’s Funds Management lies in the function of adjusting banks. In one hand, it’s not only making best use of its funds to create the most profits but also to maintain the adequate mobility as well as the safety in the other hand. Furthermore, these days the competitions among banks have made them make the most advantageous management on its sources of the fund management as well as the application so as to raise the business performance.
Through the sub- statistics data which adopted the seasonal data from 2004~2011 in a single bank , this study analyzes its research by the relationship between the funds management and the business performance as well as use the descriptive statistics and Pearson product-moment correlation：
1.The index among all the finances presents above the standard required by the director of the organization. The deposits and loans business is also an important indicator of measuring the bank profitability. The different levels of profits are not only on behalf of the Bank in the performance of traditional business, but also reflecting the ability of taking risks.
2.Funding sources, the highest proportion of saving deposits to total liabilities of banks, followed by time deposits. In the use of funds, medium-and long-term (secured) loans account for the highest proportion of total assets, followed by a short-term loans.
3.If profitable level of the differences between deposits and loans expands, the profits arising from foreign exchange deposits to banks is even more impressive. Commitment to improve the foreign exchange business volume, is one of the excellent profit.
4.People''s savings in addition to the NT dollar deposits, foreign currency deposits have also increased steadily in importance. You can induce the regular customers of the deposits, the lower risk level of investment products, in order to reduce operating costs and increase fee income, helping get better performance of the bank''s business performance. As to the part of demand deposits, it must actively explore new clientele and promotion of employees’ salary transfers to increase the demand deposits in the growth rate.

並列關鍵字

Business Performance ； Funds Management

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