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    题名: 國際化程度對台灣銀行業經營績效之影響：2005-2013
    The Effect of Internationalization on Bank Performance for Taiwan Banking Industry：2005-2013
    作者: 龔俊吉
    贡献者: 童振源
    龔俊吉
    关键词: 銀行
    國際化
    外國銀行進入
    經營績效
    國際化策略
    bank
    internationalization
    foreign banks entry
    performance
    strategy in internationalization
    日期: 2015
    上传时间: 2015-08-03 13:33:28 (UTC+8)
    摘要: 金融業健全與否對於一國之經濟發展關係密切，近年來本國銀行積極朝海外市場發展。本文從金融全球化的角度探討國際化對我國銀行業經營績效之影響，首先，根據統計資料分別檢視我國銀行業國際化程度與外資銀行進入程度，其次，利用多元迴歸分析法探討2005-2013年本國銀行國際化與外資銀行進入程度對我國銀行整體財務績效之影響，最後，進一步分析國際化策略之不同是否會造成銀行間之績效差異，以下為本文研究結果：
    分別從海外分支機構占總機構比例、海外資產占總資產比例、海外收益占總收益比例三個面向檢視我國銀行業國際化程度，可以發現除了海外收益比率呈現先下滑後上升之外，基本上近十年來是呈現穩定成長的趨勢，至2014年底為止，我國銀行之國際化程度分別為10.4%、17.5%、19.3%。在外資銀行進入程度方面，同樣從外資銀行分支機構占國內銀行總機構比例、外資銀行資產占總資產比例、外資銀行收益占總收益比例三個面向檢視，至2013年底為止，外資銀行進入程度分別為4.7%、14%、13.5%。整體而言並不算太高。
    在本國銀行國際化方面，研究結果顯示三種國際化變數FSTS、FATA、OSTS對於ROA、ROE皆呈現顯著正相關；外資銀行進入程度方面，FATA2、OSTS2對於ROA、ROE皆呈現顯著正相關。表示國際化確實對於我國銀行之財務績效有正面助益。最後進一步分析國際化策略差異之影響，發現採用攻擊型國際化策略之銀行績效顯著高於防禦型國際化策略之銀行，唯邊際效果並不顯著，因此建議銀行業可積極採取至具高成長潛力的海外國家設立據點的國際化策略。
    The robustness of the financial sector is usually closely related to a country’s economic development. In recent years, domestic banks have proactively expanded into overseas markets. This study investigates the influence of internationalization on the performance of Taiwan’s banking sector in terms of financial globalization. First, the degree of internationalization of Taiwan’s banking industry and the extent of foreign bank entry will separately examined on the basis of statistical data. Next, the effects of the domestic banks’ internationalization and foreign banks entry on overall financial performance of Taiwan banks from 2005-2013 will be evaluated by applying the multiple regression analysis. Finally, a further analysis on whether the various internationalization strategies will lead to different performance among the banks will be conducted. The results of this study are as follows:

    The degree of internationalization of Taiwan’s banking sector is explored from the following aspects: the proportion of oversea branches, the ratios of oversea assets, and the percentage of oversea revenues. The results show that there has been a steady growth of oversea branches and assets in the past decade except oversea revenues that declined initially but rose later. The degree of internationalization of Taiwan’s banking sector was 10.4%, 17.5%, 19.3% respectively by the end of 2014. Similarly, the degree of foreign bank entry is inspected from the following aspects: the proportion of foreign bank branches, the ratios of foreign bank assets, and the percentage of foreign bank revenues. The percentage of foreign banks entry was 4.7%, 14%, 13.5% by the end of 2013. Overall, this rate is not too high.

    When it comes to domestic banks’ internalization, the results demonstrate that three variables FSTS, FATA, and OSTS are significantly positively correlated with ROA, and ROE. As for the foreign bank entry level, FATA2, OSTS2 are significantly positively correlated with ROA and ROE. This indicates that globalization does have a positive effect on the financial performance of Taiwan’s banks. Finally, as far as the further analysis of internationalization strategies is concerned, it is found that banks with offensive approaches have significantly higher performance than those with defensive approaches. However, the marginal effect is not significant. Thus, it is recommended that the banking industry can adopt an aggressive internationalization strategy to establish overseas branches in countries which have a high growth potential.
    參考文獻: 中文部分：
    專書、期刊論文
    呂劍，2006，〈外資銀行進入對我國銀行業的影響〉，《第3屆中國金融學年會》
    論文，中國：上海。
    林惠文，2001，〈國際化與多角化策略對財務績效之影響-本國銀行業之比較分
    析〉，《商管科技季刊》，第二卷，第四期，頁377-397。
    張麗娟、鍾雅雯，2010，〈商業銀行國際化程度與多角化策略對經營績效之
    影響〉，《台灣經濟金融月刊》，第四十七卷，第四期，頁52-61。
    喬友慶、于卓民與林月雲，2002，〈國際化程度與產品差異化能力對廠商績
    效之影響–台灣大型製造廠商之實證研究〉，《管理學報》，第十九卷，第五期，
    頁811-842。
    黃台心，2009，《計量經濟學》，台北：新陸書局股份有限公司。

    學位論文
    何欣怡，2003，《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》。台北：國立政治大學金融研究所
    碩士論文。
    高淑萍，2001，《台灣上市公司國際化程度對經營績效暨風險影響之探討》。台
    北：國立台灣科技大學企業管理研究所碩士論文。
    徐箴宜，2001，《多角化與國際化對企業經營績效影響之實證研究》。台南：國
    立成功大學國際企業研究所碩士論文。
    張燕玉，2006，《國際化程度對銀行經營績效之影響—以台灣本地銀行為例》。
    台北：國立政治大學社會科學學院行政管理碩士學程第六屆碩士論文。
    黃文彬，2008，《銀行國際化與經營績效之研究》。台北：東吳大學國經與貿易
    學系碩士論文。
    黃振泰，2010，《台灣銀行業國際化程度與銀行經營績效之研究》。台北：東吳
    大學經濟學系碩士論文。
    劉麗卿，2008，《論「本國銀行走出去、外國銀行引進來」政策─以台灣銀行業
    經營績效評估》。台北：國立政治大學社會科學學院行政管理碩士學程碩士
    論文。
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    北：國立政治大學金融學系碩士論文。
    賴彥慈，2013，《國際化及多角化對銀行風險與經營績效之影響─以台灣銀行業
    為例》。台北：輔仁大學金融與國際企業學系金融班碩士論文。
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    響》。雲林：虎尾科技大學經營管理研究所碩士論文。

    網際網路
    金融監督管理委員會網站：http://www.fsc.gov.tw。
    中央銀行網站：http://www.cbc.gov.tw。
    金融監督管理委員會銀行局網站：
    http://www.banking.gov.tw/ch/home.jsp?id=169&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201502170010&aplistdn=ou=news,ou=multisite,ou=chinese,ou=ap_root,o=fsc,c=tw&toolsflag=Y
    MBAlib：http://wiki.mbalib.com/zh-tw/。
    The World Bank網站：http://data.worldbank.org/indicator/。

    政府出版品
    行政院金融監督管理委員會銀行局統計室，2004～2014，《中華民國台灣地區
    基本金融資料》，台北：金管會銀行局。
    行政院金融監督管理委員會銀行局統計室，2004～2014，《金融業務統計輯要》
    ，台北：金管會銀行局。

    英文部分：
    專書
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    Agenor P. R. ,2001, “Benefits and Costs of International Financial
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    描述: 碩士
    國立政治大學
    國家發展研究所
    97261017
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0097261017
    数据类型: thesis
    显示于类别:[國家發展研究所] 學位論文

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