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| Title: | 影響銀行分行數數目因素之探討-以倫敦為例-
Factors on numbers of branches-A study on London |
| Authors: | 鄭俊緯 |
| Contributors: | 沈中華
鄭俊緯 |
| Keywords: | 金融中心
固定效果模型
隨機效果模型 |
| Date: | 2005 |
| Issue Date: | 2009-09-18 15:57:16 (UTC+8) |
| Abstract: | 本研究以倫敦國內外銀行為實證的對象。選取275家倫敦國內外的銀行為樣本，以1996年到2005年10年的分行數資料，採用Panel Data型態進行處理分析，以固定效果模式與隨機效果模式為估計方法。本文以Sang Rim Choi, Daekeum Park, and Adrian E. Tschoegl在1980到2000連續20年研究金融中心銀行進出的概念為主要架構，依據銀行本身的內在的變數、外部環境的變數，探討影響銀行分行數變動的主要原因，將實證的結果與過去文獻研究的結果互相印證，希望進一步提供相關銀行產業參考。
使用的變數分別為(1)銀行內部變數：總資產、ROA、自有資產率(2)外部環境變數：來源國及當地的GDP per capita和人口、兩國間的貿易流、文化因素以及城市之間的距離。實證結果如下：
本研究若是以英國境內的銀行到倫敦設立分行的情況來說，發現總資產及英國的GDP per capita對銀行設立分行呈現正向的關係，而自有資產率則是呈現負向的關係。若是以國外銀行至倫敦來設分行的情況來說，發現總資產、ROA和兩國間的貿易流呈現正向的關係，而當地的人口數與城市間的距離則呈現負向的關係。
This study uses banks located in London as empirical objects. We picked 275 banks as empirical sample. The sampling period is from 1996 to 2005. We use data form is panel data and use fixed effect and random effect approach to verify. This study was based on the conception from Sang Rim Choi, Daekeum Park, and Adrian E. Tschoegl (1980 to 2000). To try find out the important factors that affect on variations of the branches in accordance with inner variables and outer variables. The empirical results can test traditional theory and provide the results to the managers of the banks.
The independent variables are (1) inner variable: total asset、ROA、equity divided by total asset and (2) outer variables: foreign countries’ GDP per capita and population、UK’s GDP per capita and population、trade flows between foreign countries and UK、cultural factor and distant between cities and London. The empirical results are as follows:
In local banks case, the result shows total asset and UK’ GDP per capita both have significantly positive effect on numbers of the branches. On the other hand, E/TA has significantly negative effect on numbers of the branches. In foreign banks case, the result shows total asset、ROA and trade flows all have significantly positive effect on numbers of the branches. On the other hand, UK’ population and distant both have significantly negative effect on numbers of the branches. |
| Reference: | 一、中文部分
1. 顏永斌，「台北與上海發展成國際金融中心之比較分析」，義守大學，碩士論文，民國92年
2. 陳俊銘，「全球銀行業財務危機與風險管理之研究」，中原大學，碩士論文，民國92年
3. 林世峯，「開放銀行設立對銀行業員工薪資之影響」，東吳大學，碩士論文，民國93年
4. 吳人寬，「上海發展金融中心之研究-以新加坡金融中心為借鏡」，文化大學，碩士論文，民國91年
5. 沈水金，「銀行區域消費金融中心營運之探討」中山大學，碩士論文，民國92年
6. 李雅琪，「台北國際金融中心之形塑與國家」，台北大學，碩士論文，民國90年
7. 陸宜人，「臺灣成為亞太金融中心之環境評估研究 -以銀行業與證券業為例」，台灣大學，民國84年
8. 沈中華，金融市場，初版，華泰，台北，民國91年
9. 桑德史(Saunders, Anthony)著，金融機構管理，郭照榮，沈中華譯，華泰，台北，民國90年
10. 黃台心，計量經濟學，初版，雙葉書廊，台北，民國94年
二、英文部分
1. Ball, C. A., and A. E. Tschoegl. “The Decision to Establish a Foreign Bank Branch or Subsidiary: An applaication of Binary Classification Procedures”, Journal of financial and Quantitative Analysis, 17, pp411-424, 1982
2. Baltagi, Badi H, Econometrics analysis of panel data, Chichester, New York, 1995
3. Ben Edwards, “Capitals of capital”, The Economist, May 1998.
4. Choi et al, S.-R, A. E. Tschoegl, and C.-M Yu. “Banks and the World’s Major Financial Centers, 1970-1980”, Weltwirtschaftliches Archiv, 122, pp. 48-64, 1986
5. Choi, S-R.,D. Park and A.E. Tschoegl(1996), ” Banks and the World’s Major Financial Center,1980-1990”. Weltwirschaftliches Archiv, Vol. 132(4), pp774-793
6. Choi, S-R.,D. Park and A.E. Tschoegl, “Banks and the World’s Major Financial Center,2000”, Center for Financial Institutions Working Papers 02-36, Whartion School Center for Financial Institutions, University of Pennsylvania.
7. Dufey, Gunter and Giddy, Ian H(1978), “The international money market”, Englewood Cliffs, N.J. : Prentice-Hall, p35
8. Fariborz Moshirian. ”International investment in financial services”, Journal of Banking & Financial, 25, pp. 317-337, October 1999.
9. Gehrig, Thomas(1998), “Cities and the Geography of Financial Centers”, CEPR Discussion Paper No.1894
10. Goldberg, Lawrence G, and Denise Johnson, “The determinants of US banking activity abroad”, Journal of International Money and Finance, 9, pp 123-137, June 1990
11. Goldberg, Lawrence G, and Anthony Saunders, “The cause of US bank expansion overseas, The case of Great Britain”, Journal of Money, Credit, and Banking, 12, pp 660-643, November 1980
12. Ken B. Cyree. James W. Wansley. Thomas P. Boehm. “Determinants of bank growth choice”, Journal of Banking & Financial, 24, pp. 709-734, March 1999
13. Kindleberger, Charles Poor(1973), “The formation of financial centers: a study in comparative economic history”, Cambridge, M.I.T.
14. Paraskevi V. Boufounou, “Evaluating bank branch location and performance: A case study”, European Journal of Operational Research, 87, pp. 389-402, March 1992
15. R A Brealey. E C Kaplanis. “The determination of foreign banking location”, Journal of International Money and Finance, vol. 15, No. 4, pp. 577-597, 1996
16. Rochelle L. Ruffer. John P. Holcomb JR. “To build or buy: an empirical study of the characteristics affecting a bank’s expansion decisions”, Journal of Economics and Business, 53, pp. 481-495, October 2000 |
| Description: | 碩士
國立政治大學
經濟研究所
93258018
94 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0093258018 |
| Data Type: | thesis |
| Appears in Collections: | [經濟學系] 學位論文
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