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https://ah.lib.nccu.edu.tw/handle/140.119/54698| 題名: | 大中華地區銀行效率對經濟成長影響之探討 A study on the impact of the efficiency of banking industry on economic growth in Greater China |
作者: | 吳韋慧 | 貢獻者: | 林祖嘉 吳韋慧 |
關鍵詞: | 銀行效率 經濟成長 隨機邊界法 一般動差估計法 |
日期: | 2011 | 上傳時間: | 30-Oct-2012 | 摘要: | 近年來大中華地區（台灣、中國大陸、香港與澳門）間之貿易往來日漸頻繁，促使了四個區域間之金融服務交流，在過去，四個區域的銀行發展差異很大，但隨著一連串的金融改革與開放，大中華地區之銀行經營規模成長快速且經營範疇更多元更廣泛。在金融發展快速開放的情況下，本文欲探討金融發展在大中華地區是否能夠促進經濟成長？金融發展對於經濟成長之關係一直以來是很重要之議題，但在過去文獻之實證結果卻無法得到一致的結論，本文利用銀行效率變數取代過去文獻使用之金融變數，希望透過銀行效率變數更正確的了解金融發展對於經濟成長之影響關係。\r\n 有鑑於此，本文利用1998年至2010年大中華地區82家銀行資料與大中華地區之總體經濟資料，欲了解在這十三年間，其銀行之成本效率與經濟成長之關係。實證結果發現：(1)大中華地區銀行效率在1998年至2010年間普遍提升，且四個地區之銀行效率的差異有逐漸收斂之勢。(2)銀行效率確實能夠帶動經濟成長，成為衡量金融效率的重要指標。(3)傳統過去文獻中之金融發展變數(數量變數)對於經濟成長之影響不顯著，甚至為負相關。在本研究，我們認為，金融發展對於經濟成長之影響不在於金融服務數量的多寡，而在於金融服務品質的優劣，銀行效率為一衡量金融效率的良好指標，相較於過去傳統之數量變數，更能夠正確的衡量金融服務之質量。 | 參考文獻: | 呂青樺、沈中華（2010），〈外資銀行、城市銀行與中國城市經濟成長〉，《遠景基金會季刊》，第11卷，第2期，頁43-95。\r\n李健強（2006），〈金融發展、經濟成長與通貨膨脹的門檻效果〉，《台灣經濟預測與政策》，第36\r\n 卷，第2期，77-113。\r\n林炳文（2001），〈台灣地區商業銀行合併之效率分析〉，《風險管理學報》，第3卷，第1期，1-21。\r\n許振明、林樹明（2000），〈台灣金融發展與內生經濟成長〉，《自由中國之工業》，第90卷，第2\r\n 期，21-47。\r\n黃台心（1996），〈台灣地區本國銀行成本效率之實證研究－隨機邊界模型之應用〉，《人文及社會科學集刊》，第9卷，85-123。\r\n黃學元、方柏蓉、黃德存、蔡家輝（2005），〈香港商業銀行的成本效率〉，《新金融》，2007卷， \r\n 第5期，13-17。\r\n黃曼芬、盧世勳、廖俊男、劉雨芬、廖幸嫺（2008)，〈我國與亞洲主要國家 M2/GDP 比率之比\r\n 較〉，《國際金融參考資料》，第55期。\r\n許鈺珮、張錫介（1995），〈金融控股公司法實施對台灣銀行業經營效率影響之分析〉，《金融風險\r\n 管理季刊》， 第1卷，第2期，33-56。\r\n張淑華（2006），〈金融發展與經濟成長之因果關係－日本、台灣與韓國之實證研究〉《真理財金\r\n 學報》，第14卷，1-40。\r\n趙振全、趙石磊、和王佐理（2008），〈參數法下中國商業銀行成本X效率實證研究〉，《吉林大學社會科學學報》，第48卷，第4期，91-97。\r\n趙莊敏、戴德昇（2006），〈台灣銀行股權結構、種事會特性與其經營成本效率之相關性研究〉，《台 \r\n 灣金融財務季刊》，第7卷，第3期，95-125。\r\n劉景中（2011），〈銀行集中度及效率對市場競爭度的影響〉，《經濟論文叢刊》，第39卷，第1\r\n 期，115-173。\r\n鄭政秉、莊桓勳（2005），〈中國大陸銀行業經營績效之研究－隨機邊界法之應用〉，《遠景基金會季刊》，第6卷，第3期，頁137-172。\r\n鄭涵尹（2009），〈論中國金融中介發展與經濟增長關係－基於2000-2007年數據的實證分析〉，《中國經濟評論》，第9卷，第3期，頁47-52。\r\n蕭孟妮（2011），〈金融發展在經濟成長中所扮演之腳色〉，國立台灣大學社會科學院經濟學系碩\r\n 士論文。\r\n\r\nAigner, D.J., C.A.K. 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Translated by: Opie R. Harvard University Press, Cambridge \r\nTian, X., and M. Zhou(2008), ”Banking System Efficiency and Chinese Regional Economic Growth: An Empirical Analysis Based on Banks’ Micro-efficiency,” The International Journal of Business and Finance Research , 2( 1), 41-51 | 描述: | 碩士 國立政治大學 經濟學系 99258009 100 |
資料來源: | http://thesis.lib.nccu.edu.tw/record/#G0099258009 | 資料類型: | thesis |
| Appears in Collections: | 學位論文 |
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