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    政大機構典藏 > 商學院 > 財務管理學系 > 學位論文 >  Item 140.119/95506
    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/95506


    Title: 銀行競爭與銀行獲利-跨國之實證研究
    Authors: 李欣穎
    Contributors: 沈中華
    李欣穎
    Date: 2002
    Issue Date: 2016-05-09 16:24:24 (UTC+8)
    Abstract:   金融自由化可以增進經濟效率,但也可能引起金融產業的重大變革。自政府開放銀行設立,本國銀行家數及分支機構家數急遽增加,我國的金融機構的競爭日益激烈。過度競爭的結果就是整體獲利能力下降,授信品質也降低了。由於競爭對於銀行之利弊至今仍是許多人關注的焦點。有鑑於此,本文考量不同環境變數下,針對銀行競爭與銀行獲利,以52國家為樣本範圍,進行實證研究。
      本文除了以銀行業各種之獲利指標為被解釋變數外,在解釋變數方面同時考慮了資產之集中度、銀行之成長速度、銀行本身結構以及總體環境變數。此外亦加入了政府效能指標、跨業經營之限制程度以及監理機關權限之監督效能等為不同環境變數作為銀行競爭與銀行獲利之探討。在研究方法上,以panel資料的隨機效果法(random effects approach)進行估計。
      由本文實證結果得知:(一)高所得國家,其銀行業之集中度大部分呈現上升的趨勢;非高所得的國家,其銀行業之集中度多半呈現下降的趨勢。(二)競爭程度的劇烈與否的確會影響銀行的獲利能力,當集中度增加時,對於銀行的平均資產報酬率(ROAA)以及平均股東權益報酬率(ROAE)均會有提昇的效果。至於集中度對於淨利息邊際收益(NIM)的影響力並不顯著。(三)資產成長率的增加對於銀行獲利能力在某一範圍內均有正面的貢獻,但如果超越了某一上限,資產的成長率反而會削弱集中度上升所增加的利潤。(四)即使政府效能非常良好,集中度的增加對於銀行獲利之提昇仍然有正面的貢獻。
    Reference: 沈中華(2000),由銀行基礎及市場基礎體系看當前各國銀行業的競爭與興衰,金融言訓季刊,八十九年一月十五日,頁19-29。
    沈中華及張雲翔(2001),銀行型態、銀行績效與政府效能─由46國資料比較分析,台灣金融財務季刊,民國九十年六月,頁85-95。
    沈中華(2001),美、英、德、日金融制度比較與對台灣的啟示,國際經濟情勢週報,1415期,民國九十年十二月十四日,頁6-13。
    黃介良(1998),談灣銀行業競爭程度之實證研究─加碼檢定法,基層金融,36期,頁1-25。
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    Description: 碩士
    國立政治大學
    財政學系
    Source URI: http://thesis.lib.nccu.edu.tw/record/#A2010000312
    Data Type: thesis
    Appears in Collections:[財務管理學系] 學位論文

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