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    政大機構典藏 > 商學院 > 金融學系 > 學位論文 >  Item 140.119/36709


    請使用永久網址來引用或連結此文件: https://nccur.lib.nccu.edu.tw/handle/140.119/36709


    題名: 外國銀行進駐－開發中國家v.s已開發國家之經驗、意涵探討暨對在地國市場衝擊之全球實證研究
    作者: 何欣怡
    貢獻者: 沈中華
    何欣怡
    關鍵詞: 外國銀行
    外銀滲入率
    本國銀行
    在地國
    Foreign bank entry
    日期: 2003
    上傳時間: 2009-09-18 19:20:41 (UTC+8)
    摘要: 本論文將內容分為兩部分，第一部份是彙整現有關於’外銀進駐’的文
    獻，將焦點集中於國外許多研究者致力探討的4個主題。本論文的第二部
    分則陳述了外國銀行於18個已開發國家及38個開發中國家之當地銀行市場
    滲入比率的實證，也提供了外國銀行之營運如何迥異於本國銀行的一些證
    據。這些差異可能反映了外銀與本國銀行有不同的customer base、不同的bank procedures(常規、做法)以及面對不同的法規和稅制。本論文最
    重要的發現是：在已開發中國家，本國銀行相較於外國銀行傾向有較高的
    interest margins、profitability、Overhead、以及Loan Loss
    Provisioning；而在開發中國家，本國銀行相較於外國銀行亦有較高的
    interest margins、Overhead、以及Loan Loss Provisioning，但本國銀行在獲利上仍比不上外銀。

    有趣的現象是外國進入者的數目(非size)才是能夠影響本國銀行市場的決
    定性因素。這顯示了外國銀行於進駐後立即引起當地銀行之競爭，而非在
    取得足夠大的market share之後。
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    描述: 碩士
    國立政治大學
    金融研究所
    90352023
    92
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0090352023
    資料類型: thesis
    顯示於類別:[金融學系] 學位論文

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