公營銀行的風險與績效-以台灣市場為例

陳思羽

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公營銀行的風險與績效-以台灣市場為例

Bank Risks and Performances of State-owned Banks：The Taiwanese Market

陳思羽 , Masters　　Advisor：郭文忠　　

繁體中文

銀行風險；績效；公營銀行；獲利率；效率；追蹤資料； Bank risks ； performance ； state-owned banks ； profitability ； efficiency ； panel data

Abstract │ Reference (44) │ Altmetrics

Abstract 〈TOP〉

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This thesis aims to compare the difference of risks and performances between state-owned banks and private banks. Using the panel data of publicly traded bank in Taiwan from 2005 to 2014, this study analyzes various indicators of risks and performances, which is including profitability, efficiency, loans management and risk.

Several main results are listed as follows. First, comparing sample mean of state-owned banks and private banks, reveals that state-owned banks have less profitability in the aspect of interest income and have better efficiency for numerous indicators than privately owned banks. The quality of loans is higher in state-owned banks, by examing the indicator of loan losses. Moreover, private banks have better capital adequacy ratios than state-owned banks.

Second, this thesis builds an ordinary least squares model which includes the indicators of risk and performance as dependent variables, and also conducts robustness test to include fixed and random. Regression results suggest several conclusions. For the profitability, there are two indicators showing that the ability of making profits is poor in state-owned banks. For efficiency, only the indicator of employee rate appears a significant difference between state-owned banks and private bank. For risk indicators, the ability of taking risk is higher in state-owned banks.

Reference ( 44 ) 〈TOP〉

李秀月. (2011). 商業銀行的資本適足程度, 所有權類型與經營績效之研究. 中央大學財務金融學系碩士在職專班學位論文, 1-87.
連結：
李瑞文. (2014). 商業銀行承作中小企業授信對經營績效影響之研究. 臺北大學國際財務金融碩士在職專班學位論文, 1-43.
連結：
謝文馨. (2009). 台灣地區銀行經營績效之分析-以泛公股銀行與民營銀行為例, 國立交通大學管理學院碩士論文連結.
連結：
Altunbas, Y., Evans, L., & Molyneux, P. (2001). Bank ownership and efficiency. Journal of Money, Credit and Banking, 926-954.
連結：
Altunbas, Y., Carbo, S., Gardener, E. P. & Molyneux, P. (2007). Examining the relationships between capital, risk and efficiency in European banking. European Financial Management, 13(1), 49-70.
連結：

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