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題名 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
An Efficacy Evaluation on the Policy of “Domestic Banks Marching Outward, and Foreign Banks Coming In" in Taiwan
貢獻者 翁永和
劉麗卿
關鍵詞 全球化
本國銀行
經營績效
外國銀行進入
摘要 近年來全球化的風潮快速席捲全世界,外國銀行在2007、2008年積極併購台灣本國銀行,台灣銀行業亦努力向海外擴展,政府同樣也提出「本國銀行走出去、外國銀行引進來」之政策目標,惟全球化是否能夠提升台灣本國銀行之經營績效,實有待研究,爰本文冀藉由實證研究以探討全球化對於台灣銀行業經營績效之影響。
     本文採台灣34家本國銀行2001年至2007年共7年資料為樣本,利用固定效果模型進行實證研究。在變數資料上,以台灣銀行業的國際化程度代表「本國銀行走出去」政策,外國銀行進入程度代表「外國銀行引進來」政策,本國銀行的經營績效則以資產報酬率、淨利息收入、非利息收入、用人及其他非利息費用為代表。實證結果發現,外國銀行的進入,與台灣銀行業的資產報酬率及淨利息收入呈現負相關,與非利息收入、用人及其他非利息費用呈現正相關,另台灣銀行業的國際化與其用人及其他非利息費用呈現正相關。因此,全球化對於台灣銀行業之經營績效有其正面及負面影響。
參考文獻 中文部分
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》,政治大學金融研究所碩士論文。
余慈蕙(2005),《國際化和公司績效之關係:台灣企業實證研究》,逢甲大學國際貿易學系研究所碩士論文。
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。
周桂田(2000),「全球化與全球在地化──現代的弔詭」,《中央日報》,2000年8月2日。
孫治本譯,Ulrich Beck著(1999),《全球化危機》,台北:臺灣商務印書館。
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》,台灣科技大學企業管理研究所碩士論文。
翁明賢(2003),《全球化時代的國家安全》,台北:創世文化事業出版社。
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》,政治大學行政管理學程碩士論文。
張紹基(2000),《多角化與國際化對於企業經營績效暨風險影響之探討》,成功大學國際企業研究所碩士論文。
陳菁雯(2001),「美國911事件後的省思與啟示:全球化與本土化的爭辯」,《新聞深度分析簡訊》,2-3,台中:靜宜大學。
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》,19,811-842。
楊雪冬(2003),《全球化》,台北:揚智文化事業。
葉欣(2006),「外資銀行進入對中國銀行業效率影響的實證研究」,《財經問題研究》,2,61-66。
羅旭華(2004),《全球化趨勢中服務業競爭力之探求》,東海大學管理碩士學程在職專班碩士論文。
英文部分
Agenor P. R. (2001), “Benefits and Costs of International Financial Integration: Theory and Facts,” World Bank Working Paper, No. 2699.
Collins, J. M.(1990), “A Market Performance Comparison of U.S. Firms Active in Domestic Developed and Developing Countries,” Journal of International Business Studies , 21, 271-287.
Claessens, S., A. Demirguc- kunt, and H. Huizinga (1998), “How Does Foreign Entry Affect the Domestic Banking Market?” World Bank Working Paper, No. 1918 .
Claessens, S. and T. Glaessner (1998), “The Internationalization of Financial Services in Asia,” World Bank Working Paper, No. 1911.
Daniels, J. D. and J. Bracker(1989), “Profit Performance: Do Foreign Operations Make a Difference,” Management International Review, 1, 46-56.
Delios, A. and P. W. Beamish (1999), “Geographic Scope, Product Diversification, and the Corporate Performance of Japanese Firms,” Strategic Management Journal, 20, 711-727.
Demirguc-kunt, A., R. Levine, and H G. Min (1998), “Opening to Foreign Banks: Issues of Stability, Efficiency, and Growth?” The Implications of Globalization of World Financial Markets, Bank of Korea, 83-115.
Demirguc-kunt, A. and H. Huizinga(1999), “Determinants of Commercial Bank Interest Margins and Profitability: Some International Evidence,” World Bank Working Paper, No. 1900.
Denizer, C.(2000), “Foreign Entry in Turkey’s Banking Sector: 1980-97,” World Bank Working Paper, No. 2462.
Errunza, V. and L. Senbet(1984), “International Corporate Diversification, Market Valuation, and Size-Adjusted Evidence,” Journal of Finance, 39, 727-743.
Grant, R.(1987), “Multinationality and Performance among British Manufacturing Companies,” Journal of International Business Studies, 18, 79-89.
Grant, R., A. Jammine, and H. Thomas(1988), “Diversity, Diversification, and Profitability among British Manufacturing Companies, 1972-1984,” Academy of Management Journal, 31, 771-801.
Gomes, L. and K. Ramaswamy (1999), “An Empirical Examination of the Form of the Relationship Between Multinationality and Performance,” Journal of International Business Studies, 30, 173-188.
Hatzichronoglou, T. (1996), “Globalization and Competitiveness: Relevant Indicator,” OECD STI Working Paper, 1996/5.
Kim, H. E. and B.Y. Lee(2004), “The Effects of Foreign Bank Entry on the Performance of Private Domestic Banks in Korea,” Bank of Korea Paper, 2004/3.
Lensink, R. and N. Hermes (2004), “The Short-term Effects of Foreign Bank Entry on Domestic Bank Behavior: Does Economic Development Matter?” Journal of Banking and Finance, 28, 553-568.
Lovelock, C. and Wright, L.(2002), Principles of Service Marketing and Management, New-Jersey: Prentice Hall.
Michel, A. and I. Shaked(1986), “Multinational Corporations vs. Domestic Corporations: Financial Performance and Characteristics,” Journal of International Business Studies, 17, 89-100.
Montinola, G. and R. Moreno(2001), “The Political Economy of Foreign Bank Entry and its Impacts: Theory and a Case Study,” Pacific Basin Working Paper, No: 01-11.
Martines Peria M. S. and A. Mody(2004), “How Foreign Participation and Market Concentration Impact Bank Spreads: Evidence from Latin America,” World Bank Working Paper, No.3210.
Nihal Bayraktar and Yan Wang (2004) , “Foreign Bank Entry, Performance of Domestic Banks and the Sequence of Financial Liberalization,” World Bank Working Paper, No. 3416.
Oman, C.(1996), The Policy Challenge of Globalisation and Regionalization, OECD Development Center Policy Brief, Paris: OECD.
Robertson, R.(1992), Globalization: Social Theory and the Global Culture, London: Sage.
Sullivan, D.(1994), “Measuring the Degree of Internationalization of a Firm,” Journal of International Business Studies, 25, 325-342.
Sambharya, R. B.(1995), “The Combined Effect of International Diversification and Product Diversification Strategies on the Performance of US-Based Multinational Corporations,” Management International Review, 35, 197-218.
Unite, A. A., Sullivan, M. J.(2003), “The Effect of Foreign Entry and Ownership Structure on the Philippine Domestic Banking Market,” Journal of Banking and Finance, 27, 2323-2345.
Waters, M. (2001), Globalization, London and New York: Routledge.
Wan, C. C., (1998), “International Diversification, Industrial Diversification and Firm Performance of Hong Kong MNCs,” Asia Pacific Journal of Management, 15, 205-217.
World Bank(2001), Finance for Growth: Policy Choices in a Volatile World, Washington, D.C.: World Bank.
World Bank(2002), Global Development Finance 2002, Washington, D.C.: World Bank.
網站
行政院金融監督管理委員會全球資訊網,http://www.fscey.gov.tw/。
行政院金融監督管理委員會銀行局網站,http://www.banking.gov.tw/。
行政院主計處網站,http://www.dgbas.gov.tw/。
描述 碩士
國立政治大學
行政管理碩士學程
94921040
96
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0094921040
資料類型 thesis
dc.contributor.advisor 翁永和zh_TW
dc.contributor.author (作者) 劉麗卿zh_TW
dc.date.accessioned 14-九月-2009 12:36:57 (UTC+8)-
dc.date.available 14-九月-2009 12:36:57 (UTC+8)-
dc.identifier (其他 識別碼) G0094921040en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/31958-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 行政管理碩士學程zh_TW
dc.description (描述) 94921040zh_TW
dc.description (描述) 96zh_TW
dc.description.abstract (摘要) 近年來全球化的風潮快速席捲全世界,外國銀行在2007、2008年積極併購台灣本國銀行,台灣銀行業亦努力向海外擴展,政府同樣也提出「本國銀行走出去、外國銀行引進來」之政策目標,惟全球化是否能夠提升台灣本國銀行之經營績效,實有待研究,爰本文冀藉由實證研究以探討全球化對於台灣銀行業經營績效之影響。
     本文採台灣34家本國銀行2001年至2007年共7年資料為樣本,利用固定效果模型進行實證研究。在變數資料上,以台灣銀行業的國際化程度代表「本國銀行走出去」政策,外國銀行進入程度代表「外國銀行引進來」政策,本國銀行的經營績效則以資產報酬率、淨利息收入、非利息收入、用人及其他非利息費用為代表。實證結果發現,外國銀行的進入,與台灣銀行業的資產報酬率及淨利息收入呈現負相關,與非利息收入、用人及其他非利息費用呈現正相關,另台灣銀行業的國際化與其用人及其他非利息費用呈現正相關。因此,全球化對於台灣銀行業之經營績效有其正面及負面影響。
zh_TW
dc.description.tableofcontents 第一章 緒論 1
     第一節 研究動機與背景 1
     第二節 研究目的 6
     第三節 研究架構及流程 7
     第二章 文獻回顧與探討 9
     第一節 全球化的定義與內涵 9
     第二節 全球化對企業經營績效的影響 12
     第三節 外國銀行進入對本國銀行的影響 16
     第三章 台灣銀行業全球化概況分析 21
     第一節 台灣銀行業全球化發展情形 21
     第二節 外國銀行在台發展情形 25
     第四章 研究設計 32
     第一節 研究方法 32
     第二節 實證模型設定與變數說明 34
     第三節 資料來源說明 39
     第五章 實證結果與分析 40
     第一節 實證研究結果 40
     第二節 實證結果分析 46
     第六章 結論與建議 48
     第一節 結論 48
     第二節 後續研究建議 49
     參考文獻 50
zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0094921040en_US
dc.subject (關鍵詞) 全球化zh_TW
dc.subject (關鍵詞) 本國銀行zh_TW
dc.subject (關鍵詞) 經營績效zh_TW
dc.subject (關鍵詞) 外國銀行進入zh_TW
dc.title (題名) 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zh_TW
dc.title (題名) An Efficacy Evaluation on the Policy of “Domestic Banks Marching Outward, and Foreign Banks Coming In" in Taiwanen_US
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 中文部分zh_TW
dc.relation.reference (參考文獻) 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》,政治大學金融研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 余慈蕙(2005),《國際化和公司績效之關係:台灣企業實證研究》,逢甲大學國際貿易學系研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 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。zh_TW
dc.relation.reference (參考文獻) 周桂田(2000),「全球化與全球在地化──現代的弔詭」,《中央日報》,2000年8月2日。zh_TW
dc.relation.reference (參考文獻) 孫治本譯,Ulrich Beck著(1999),《全球化危機》,台北:臺灣商務印書館。zh_TW
dc.relation.reference (參考文獻) 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》,台灣科技大學企業管理研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 翁明賢(2003),《全球化時代的國家安全》,台北:創世文化事業出版社。zh_TW
dc.relation.reference (參考文獻) 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》,政治大學行政管理學程碩士論文。zh_TW
dc.relation.reference (參考文獻) 張紹基(2000),《多角化與國際化對於企業經營績效暨風險影響之探討》,成功大學國際企業研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 陳菁雯(2001),「美國911事件後的省思與啟示:全球化與本土化的爭辯」,《新聞深度分析簡訊》,2-3,台中:靜宜大學。zh_TW
dc.relation.reference (參考文獻) 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》,19,811-842。zh_TW
dc.relation.reference (參考文獻) 楊雪冬(2003),《全球化》,台北:揚智文化事業。zh_TW
dc.relation.reference (參考文獻) 葉欣(2006),「外資銀行進入對中國銀行業效率影響的實證研究」,《財經問題研究》,2,61-66。zh_TW
dc.relation.reference (參考文獻) 羅旭華(2004),《全球化趨勢中服務業競爭力之探求》,東海大學管理碩士學程在職專班碩士論文。zh_TW
dc.relation.reference (參考文獻) 英文部分zh_TW
dc.relation.reference (參考文獻) Agenor P. R. (2001), “Benefits and Costs of International Financial Integration: Theory and Facts,” World Bank Working Paper, No. 2699.zh_TW
dc.relation.reference (參考文獻) Collins, J. M.(1990), “A Market Performance Comparison of U.S. Firms Active in Domestic Developed and Developing Countries,” Journal of International Business Studies , 21, 271-287.zh_TW
dc.relation.reference (參考文獻) Claessens, S., A. Demirguc- kunt, and H. Huizinga (1998), “How Does Foreign Entry Affect the Domestic Banking Market?” World Bank Working Paper, No. 1918 .zh_TW
dc.relation.reference (參考文獻) Claessens, S. and T. Glaessner (1998), “The Internationalization of Financial Services in Asia,” World Bank Working Paper, No. 1911.zh_TW
dc.relation.reference (參考文獻) Daniels, J. D. and J. Bracker(1989), “Profit Performance: Do Foreign Operations Make a Difference,” Management International Review, 1, 46-56.zh_TW
dc.relation.reference (參考文獻) Delios, A. and P. W. Beamish (1999), “Geographic Scope, Product Diversification, and the Corporate Performance of Japanese Firms,” Strategic Management Journal, 20, 711-727.zh_TW
dc.relation.reference (參考文獻) Demirguc-kunt, A., R. Levine, and H G. Min (1998), “Opening to Foreign Banks: Issues of Stability, Efficiency, and Growth?” The Implications of Globalization of World Financial Markets, Bank of Korea, 83-115.zh_TW
dc.relation.reference (參考文獻) Demirguc-kunt, A. and H. Huizinga(1999), “Determinants of Commercial Bank Interest Margins and Profitability: Some International Evidence,” World Bank Working Paper, No. 1900.zh_TW
dc.relation.reference (參考文獻) Denizer, C.(2000), “Foreign Entry in Turkey’s Banking Sector: 1980-97,” World Bank Working Paper, No. 2462.zh_TW
dc.relation.reference (參考文獻) Errunza, V. and L. Senbet(1984), “International Corporate Diversification, Market Valuation, and Size-Adjusted Evidence,” Journal of Finance, 39, 727-743.zh_TW
dc.relation.reference (參考文獻) Grant, R.(1987), “Multinationality and Performance among British Manufacturing Companies,” Journal of International Business Studies, 18, 79-89.zh_TW
dc.relation.reference (參考文獻) Grant, R., A. Jammine, and H. Thomas(1988), “Diversity, Diversification, and Profitability among British Manufacturing Companies, 1972-1984,” Academy of Management Journal, 31, 771-801.zh_TW
dc.relation.reference (參考文獻) Gomes, L. and K. Ramaswamy (1999), “An Empirical Examination of the Form of the Relationship Between Multinationality and Performance,” Journal of International Business Studies, 30, 173-188.zh_TW
dc.relation.reference (參考文獻) Hatzichronoglou, T. (1996), “Globalization and Competitiveness: Relevant Indicator,” OECD STI Working Paper, 1996/5.zh_TW
dc.relation.reference (參考文獻) Kim, H. E. and B.Y. Lee(2004), “The Effects of Foreign Bank Entry on the Performance of Private Domestic Banks in Korea,” Bank of Korea Paper, 2004/3.zh_TW
dc.relation.reference (參考文獻) Lensink, R. and N. Hermes (2004), “The Short-term Effects of Foreign Bank Entry on Domestic Bank Behavior: Does Economic Development Matter?” Journal of Banking and Finance, 28, 553-568.zh_TW
dc.relation.reference (參考文獻) Lovelock, C. and Wright, L.(2002), Principles of Service Marketing and Management, New-Jersey: Prentice Hall.zh_TW
dc.relation.reference (參考文獻) Michel, A. and I. Shaked(1986), “Multinational Corporations vs. Domestic Corporations: Financial Performance and Characteristics,” Journal of International Business Studies, 17, 89-100.zh_TW
dc.relation.reference (參考文獻) Montinola, G. and R. Moreno(2001), “The Political Economy of Foreign Bank Entry and its Impacts: Theory and a Case Study,” Pacific Basin Working Paper, No: 01-11.zh_TW
dc.relation.reference (參考文獻) Martines Peria M. S. and A. Mody(2004), “How Foreign Participation and Market Concentration Impact Bank Spreads: Evidence from Latin America,” World Bank Working Paper, No.3210.zh_TW
dc.relation.reference (參考文獻) Nihal Bayraktar and Yan Wang (2004) , “Foreign Bank Entry, Performance of Domestic Banks and the Sequence of Financial Liberalization,” World Bank Working Paper, No. 3416.zh_TW
dc.relation.reference (參考文獻) Oman, C.(1996), The Policy Challenge of Globalisation and Regionalization, OECD Development Center Policy Brief, Paris: OECD.zh_TW
dc.relation.reference (參考文獻) Robertson, R.(1992), Globalization: Social Theory and the Global Culture, London: Sage.zh_TW
dc.relation.reference (參考文獻) Sullivan, D.(1994), “Measuring the Degree of Internationalization of a Firm,” Journal of International Business Studies, 25, 325-342.zh_TW
dc.relation.reference (參考文獻) Sambharya, R. B.(1995), “The Combined Effect of International Diversification and Product Diversification Strategies on the Performance of US-Based Multinational Corporations,” Management International Review, 35, 197-218.zh_TW
dc.relation.reference (參考文獻) Unite, A. A., Sullivan, M. J.(2003), “The Effect of Foreign Entry and Ownership Structure on the Philippine Domestic Banking Market,” Journal of Banking and Finance, 27, 2323-2345.zh_TW
dc.relation.reference (參考文獻) Waters, M. (2001), Globalization, London and New York: Routledge.zh_TW
dc.relation.reference (參考文獻) Wan, C. C., (1998), “International Diversification, Industrial Diversification and Firm Performance of Hong Kong MNCs,” Asia Pacific Journal of Management, 15, 205-217.zh_TW
dc.relation.reference (參考文獻) World Bank(2001), Finance for Growth: Policy Choices in a Volatile World, Washington, D.C.: World Bank.zh_TW
dc.relation.reference (參考文獻) World Bank(2002), Global Development Finance 2002, Washington, D.C.: World Bank.zh_TW
dc.relation.reference (參考文獻) 網站zh_TW
dc.relation.reference (參考文獻) 行政院金融監督管理委員會全球資訊網,http://www.fscey.gov.tw/。zh_TW
dc.relation.reference (參考文獻) 行政院金融監督管理委員會銀行局網站,http://www.banking.gov.tw/。zh_TW
dc.relation.reference (參考文獻) 行政院主計處網站,http://www.dgbas.gov.tw/。zh_TW