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    Title: 模擬本國銀行業合併對市場競爭度的影響
    Simulating influence of merge and acquisition to market competition
    Authors: 林全朗
    Contributors: 黃台心
    林全朗
    Keywords: 競爭度
    模擬合併
    PR模型
    規模經濟
    範疇經濟
    效率
    Date: 2011
    Issue Date: 2012-10-30 11:24:21 (UTC+8)
    Abstract: 我國自1990年實施金融自由化以來，「銀行過多」(over-banking) 現象逐漸浮現，銀行業的過度競爭與1997年發生的亞洲金融風暴，促使政府推動金融改革政策，試圖藉銀行間的合併提高銀行業者的競爭力與經營績效，提升國際競爭力並邁向國際化。過去已有相當多文獻從事銀行業競爭程度的研究，大致分成結構法與非結構法兩類，其中不乏以非結構法之PR (Panzer and Rosse, 1987) 檢定法，對包括台灣在內的銀行業競爭程度進行探討，但較少以事前模擬的方式，分析銀行間相互合併後對市場競爭程度的影響。本研究針對我國1997-2009年銀行業資料，運用PR檢定法模擬合併前後銀行業的市場競爭程度，附帶分析其對規模、範疇經濟與技術效率之影響。發現當合併的家數愈多，銀行壟斷力及技術效率分數皆會愈高；銀行的合併對規模經濟的增加則有其極限，每兩家合併的情況下最具規模經濟，但隨合併的家數增加時規模經濟有降低之傾向；不論合併的家數為何，範疇經濟皆存在。
    Reference: 沈中華與呂慧美 (2007)，本國銀行業逐年的競爭程度及其變化之分析，證券市場發展季刊, 19：2, 119-152。
    黃台心與王美惠 (2005)，考慮技術與配置無效率下的銀行業規模與多元經濟分析，東吳經濟商學學報, 50, 1-44。
    劉永琦 (2006)，不完全競爭市場下本國多產出銀行業合併之成本效益分析，臺大論文叢刊, 17：1, 137-166。
    劉景中 (2011)，銀行集中度及效率對市場競爭度的影響：台灣實證研究，經濟論文叢刊, 39：1, 115-173。
    謝佩珊 (2011)，東亞十國銀行業競爭型態之分析，政治大學金融研究所碩士論文。

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    Description: 碩士
    國立政治大學
    金融研究所
    99352017
    100
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0993520171
    Data Type: thesis
    Appears in Collections:[Department of Money and Banking] Theses

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