金融自由化與金融危機對銀行收入多角化績效關係之影響

The impact of revenue diversification on bank performance: the roles of financial liberalization and crises

廖育進(Yu-Jin Liau)

指導教授 ： 謝孟芬

國立臺中科技大學/商學院/財務金融系碩士班/碩士(2014年)

https://doi.org/10.6826/NUTC.2014.00029

摘要

本研究主旨在探討銀行收入多角化並考量金融自由化與金融危機對績效之關係。使用研究樣本為57個國家進行分析，研究期間為1998至2013年。

實證結果發現：(一)銀行績效可以透過收入多角化而改善。(二)金融自由化與收入多角化將會使銀行績效產生多方面的影響。(三)收入多角化在金融危機期間會導致銀行獲利惡化、增加銀行風險。

關鍵字

金融自由化 ； 金融危機 ； 銀行績效 ； 收入多角化

並列摘要

This study intends to explore the relation between banks revenue diversification and performance through finance crisis and financial liberalization. Our sample period is over 1998 and 2013. 57 countries are analyzed.

Empirical results indicate that, first, bank performance can be improved through revenue diversification. Second, the relationships among revenue diversity, financial liberalization, and bank performances are multidimensional. Third, we find the revenue diversification negatively affects bank performance and increases bank risk under a financial crisis.

並列關鍵字

Financial liberalization ； Financial crisis ； Bank performance ； Revenue diversification

參考文獻

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