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| Title: | 臺灣銀行業發展普惠金融對經營績效之影響 -以公股及民營銀行為例
The Influence of Taiwan Banking Industry Inclusive Financial Development on the Operating Performance: Evidence from the Publicly-Stocked Banks and Private Banks |
| Authors: | 陳佳韻
Chen, Chia-yun |
| Contributors: | 洪福聲
林朕陞
陳佳韻
Chen, Chia-yun |
| Keywords: | 普惠金融
銀行經營績效
公股銀行
追蹤資料
Inclusive finance
bank performance
publicly-stocked bank
panel data |
| Date: | 2023 |
| Issue Date: | 2023-12-01 10:46:30 (UTC+8) |
| Abstract: | 2005年聯合國提出普惠金融概念，意旨透過建立穩健的政策、法律和監管體系，以促進包容性金融，提供所有社會階層和群體可負擔的金融服務。近年來，臺灣受疫情影響，經濟衰退與失業率的上升，加速政府積極推動普惠金融政策，而銀行協助人民與扶持企業發展成為關鍵。然而，普惠金融並非銀行對社會的公益及救濟，如何透過金融的力量實現社會平等成為一個重要課題。
本研究針對2009至2022年臺灣32家銀行為研究對象，以資產報酬率作為銀行衡量獲利的指標，利用逐步迴歸分析的後退消去法，分別探討臺灣地區公股銀行及民營銀行在發展普惠金融，對銀行經營績效之影響。由實證分析結果可得知，中小企業放款比率對公股銀行ROA具有顯著的正相關，而當期自動櫃員機交易次數對公股及民營銀行ROA具有顯著正相關，落後一期則為負相關，而資本適足率對全體銀行ROA為顯著正相關、逾期放款比率為顯著負相關。經上述觀察臺灣普惠金融現況及實證結果，本文據以提供政府單位及銀行未來發展普惠金融之建議。
In 2005, the United Nations introduced the concept of "Inclusive Finance," aiming to promote accessible financial services for all social strata and groups through the establishment of robust policies, laws, and regulatory frameworks that facilitate inclusive financial systems. In recent years, Taiwan has been affected by the COVID-19 pandemic, leading to economic recession and rising unemployment rates. The government has accelerated its efforts to implement inclusive finance policies. Banks playing a pivotal role in assisting individuals and
supporting business development. However, it is essential to understand that inclusive finance is not solely about contributing to the social welfare and relief efforts. The crucial question is how financial institutions can leverage their capabilities to achieve social equality.
This research focuses on 32 banks in Taiwan from 2009 to 2022, using the return on assets (ROA) as a measure of bank profitability. Through stepwise regression analysis with backward elimination, it examines the impact of inclusive finance development on the operational performance of Taiwan's publicly-stocked banks and private banks separately. The empirical analysis reveals that the ratio of loans to small and medium-sized enterprises (SMEs) has a significant positive correlation with ROA for publicly-stocked banks. Additionally, the number of ATM transactions in the current period has a significant positive correlation with ROA for both publicly-stocked banks and private banks, while lagged ATM transactions show a negative correlation. Moreover, capital adequacy ratio is significantly positively correlated with ROA for all banks, whereas the non-performing loan ratio is significantly negatively correlated.Based on the observation of Taiwan's inclusive financial situation and empirical results, this study provides recommendations to government agencies and banks for the future development of inclusive finance. |
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| Description: | 碩士
國立政治大學
國際金融碩士學位學程
111zb1037 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0111ZB1037 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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