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    題名: 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
    作者: 陳佳韻
    Chen, Chia-yun
    貢獻者: 洪福聲
    林朕陞
    陳佳韻
    Chen, Chia-yun
    關鍵詞: 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
    日期: 2023
    上傳時間: 2023-12-01 10:46:30 (UTC+8)
    摘要: 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.
    參考文獻: 周麗娟，吳冠儀，與陳姝伶 (2022)，「金融科技發展對銀行財務績效的影響—分量迴歸應用」，《北商學報》，39，1-24。
    林鳴琴與俞孟瑄 (2017)，「從銀行內部因素、產業因素、總體經濟因素探討臺灣銀行業獲利績效」，《財金論文叢刊》，26，43-54。
    陳柏鈞 (2019)，「房價變動對 CAMELS 評等系統之影響：以台灣銀行業為例」，碩士論文，國立臺灣大學經濟學系。
    黃朝熙，謝依珊，與林宜槿 (2020)，「臺灣公股與民營銀行在景氣衰退與金融危機期間放款差異性之實證研究」，《經濟研究》，56(1)，29-78。
    黃詩婷與張元 (2021)，「銀行業務多角化與銀行績效的關聯性：社會責任績效的調節效果」，《台灣管理學刊》，21(1)，23-50。
    楊惠然 (2022)，「銀行參與中小企業普惠金融之研究」，碩士論文，朝陽科技大學會計學系。
    謝文馨與王淑芬 (2008)，「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」，《台灣銀行季刊》，61(1)，20-48。
    魏敬萱 (2018)，「普惠金融與企業社會責任對台灣銀行業獲利及風險之影響」，碩士論文，國立臺北大學經濟學系。
    羅尚義 (2002)，「銀行 ATM 服務經營模式的探討」，碩士論文，臺灣大學商學研究所。
    蘇冠銘 (2020)，「台灣銀行業經營績效之探討－以泛公股銀行與民營銀行為例」，碩士論文，高雄科技大學財政稅務系。

    Cámara, N. and D. Tuesta (2014), “Measuring Financial Inclusion: A Muldimensional Index,” BBVA Research Paper, 14/26.
    Chakravarty, S. R. and R. Pal (2013), “Financial Inclusion in India: An Axiomatic Approach,” Journal of Policy Modeling, 35(5), 813-837.33
    Dzeawuni, A. W. and M. Tanko (2008), “CAMELs and Banks Performance Evaluation: The Way Forward,” Working Paper.
    Gayatri Nayak (2014, June 25), Financial inclusion: It all started in the 1960s. URL:https://economictimes.indiatimes.com/news/economy/policy/financial-inclusion-it-all-started-in-the-1960s/articleshow/37150463.cms (visited on 07/10/2023)。
    Kryeziu, N. and E. Hoxha (2021), “Factors Affecting on Bank’s Profitability: The Case of 19 Euro-Area countries,” Jurnal Perspektif Pembiayaan dan Pembangunan
    Daerah, 9(1), 1-8.
    Kumar, S. Thrikawala and S. Acharya, (2022), “Financial Inclusion and Bank Profitability: Evidence From a Developed Market,” Global Finance Journal, 53, 100763.
    Makinen, M. and L. Solanko (2018), “Determinants of Bank Closures: Do Levels or Changes of CAMEL Variables Matter,” Russian Journal of Money and Finance, 77(2), 3-21.
    Nguyen, T. D. & Q. L. T. Du (2022), “The Effect of Financial Inclusion on Bank Stability: Evidence From ASEAN,” Cogent Economics & Finance, 10(1),2040126.
    Nurazi, R. and M. Evans (2005), “An Indonesian Study of The Use of CAMEL (S) Ratios as Predictors of Bank Failure,” Journal of Economic & Social Policy, 10(1),
    143-167.
    Sedera, T. Risfandy and I. N. Futri (2022), “Financial Inclusion and Bank Profitability: Evidence From Indonesia, ” Journal of Accounting and Investment, 23(3), 398-412.
    描述: 碩士
    國立政治大學
    國際金融碩士學位學程
    111zb1037
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0111ZB1037
    資料類型: thesis
    顯示於類別:[國際金融碩士學位學程] 學位論文

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