學術產出-Theses

題名 國際化程度對銀行經營績效之影響—以台灣本地銀行為例
Impacts of Internationalization on the Operational Performance of Taiwan-based Banks
作者 張燕玉
貢獻者 黃智聰
張燕玉
關鍵詞 台灣
國際化
經營績效
銀行國際化
廠商特性
日期 2005
上傳時間 19-Sep-2009 13:51:35 (UTC+8)
摘要 隨著全球化的時代來臨,產業基於成本、市場、原物料供應以及追隨顧客等因素遂跨國經營,以追求利潤、提升競爭力或生存。銀行業也不例外,本文研究目的即在探討銀行國際化程度的高低對其經營績效的影響,並就相關文獻整理與資料蒐集彙整,研究台灣本地銀行赴海外設立營運據點的過程、背景,以探討銀行國際化程度對其績效之影響。在研究方法方面,本文針對2002年到2005年底全體本國銀行之國際化指標、廠商特性與其財務績效等變數進行研究,以多元迴歸模型計進行實證研究。國際化指標方面,以海外據點占總據點、海外營收佔總營收、海外資產占總資產及海外員工占總員工人數比等國際化變數加以衡量;廠商特性則以代表規模的資產與代表經驗的成立時間衡量;銀行績效則以資產報酬率(Return On Asset,ROA)與股東權益報酬率(Return On Equity,ROE)衡量。研究結果發現銀行海外據點比、海外資產比與國外員工比等國際化指標對銀行ROA、ROE均有顯著的正面影響;而ROA較ROE更為顯著,顯示銀行的國際化程度對其經營績效的確有正向影響。本研究結果應可提供銀行業經營策略之擬定與政府訂定相關政策與法規之參考。
參考文獻 一、 中文部分
李逸庭(1994),《我國銀行業國際化因素之探討》。台北:國立台灣大學國際企業學系研究所碩士論文。
余慈蕙(2005),《國際化和公司績效之關係:台灣企業實證研究》。台中:私立逢甲大學國際貿易學系研究所碩士論文。
吳建良(2000),「資本適足率與逾期放款率對銀行財務績效之影響」,《台灣銀行季刊》,第五十六卷第二期,頁1-27。
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。
張修齊(2001),《大陸金融環境與競爭力評估》,台北:台灣金融研訓院。
黃志典(1994),《我國銀行業國際化因素之探討》。台北:國立台灣大學國際企業學研究所碩士論文。
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。
二、政府出版品
中央銀行金融業務檢查處(2001~2005),《本國銀行營運績效季報》,台北:中央銀行。
中央銀行經濟研究處(2001~2005),《中華民國金融統計月報》,台北:中央銀行。
行政院金融監督管理委員會銀行局統計室(2001~2005),《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(2001~2005),《金融業務統計輯要》,台北:金管會銀行局。
三、英文部分
Ayadi, O. Felix, Arinola O. Adebayo and Eddy Omolehinwa (1998), “Bank Performance Measurement in a Developing Economy: An Application of Data Envelopment Analysis,” Managerial Finance, 24(7), 5.
Aliber, Robert Z. (1976), “International Bank: A Survey,” Journal of Money, Credit, and Banking, 16(25), 47-51.
Annavarijula, M. and S. Beldona (2000), “Multinationality-Performance Relationship: A review and Reconceptualization,” The International Journal of Organizational Analysis, 8(1), 48-67.
Collins, J. Markham (1990), “A Market Performance Comparison of U.S. Firms Active in Domestic Developed and Developing Countries,” Journal of International Business Studies, 21(2), 271-87.
Cho, Kang Rae (1986), “Determinants of Multinational Banks,” Management International Review, 26(1), 10-23.
Daniel, John D. and Jeffrey Bracker (1989), “Profit Performance: Do Foreign Operations Make a Difference?” Management International Review, 29, 46-56.
Delios, Andrew and Paul W. Beamish (1999), “Geographic Scope, Product Diversification, and the Corporate Performance of Japanese Firms,” Strategic Management Journal, 20(8), 711-727
Deresky, Helen (1994), International Management: Managing Across Boarders and Cultures: New York: Haper Collins College Publisher.
Gomes, Lenn and Kannan Ramaswamy (1999), “An Empirical Examination of the Form of the Relationship between Multinationality and Performance,” Journal of International Business Studies, 30(1), 173-188.
Grant, Robert M. (1987), “Multinationality and Performance among British Manufacturing Companies,” Journal of International Business Studies, 18(3), 79-89
Grant, Robert M., Azar P. Jammine, and Howard Thomas (1988), “ Diversity, Diversification, and Profitability Among British Manufacturing Companies, 1972-1984,” Academy of Management Journal, 31(4), 771-801.
Grubel, Herbert G. (1977), Multinational Banking, In P. Erderwick (ed.) Multinational Severice Firms. Singapore: Institute of Southeast Asian Studies.
Hill, R. Carter, E. Griffiths William, and G. Judge George (2001), Undergraduate econometrics, Second Edition, New York: John Wiley & Sons, Inc.
Hsiao, Cheng (1986), Analysis of Panel Data, Econometric Society Monographs, no. 11 Cambridge; New York and Sydney: Cambridge University Press, 1986.
Leung, M. K. and T. Young(2002), “China’s Entry to the WTO: Managerial Implications for Foreign Banks,” Managerial and Decision Economics, 23(1), 1-8.
Leung, M. K., T. Young, and D. Rigby (2003), “Explaining the Profitability of Foreign Banks in Shanghai,” Managerial and Decision Economics, 24(1), 15-24.
Michel, Allen and Israel Shaked (1986), “Multinational Corporations vs. Domestic Corporations: Financial Performance and Characteristics,” Journal of International Business Studies, 17(3), 89-100.
Miller, Stephen M. and Athanasios G. Noulas (1996), “The Technical Efficiency of Large Bank Production,” Journal of Banking and Finance, 20(3), 495-509.
Olusoga, S. Ade (1993), “Marker Concentration Versus Marker Diversification and Internationalization: Implications for MNE Performance,” International Marketing Review, 10(2), 40-59.
Phatak, Arvind (1990), “The Effects of Transborder Data Flow Restrictions on American Multinational Corporation,” Management International Review, 30(3), 267-290.
Ramaswamy, Kannan (1995), “Multinationality, Configure, and Performance: A Study of Manes in the U.S. Drug and Pharmaceutical Industry,” Journal of International Management, 1(2), 231- 253.
Sullivan, Daniel (1994), “Measuring the Degree of Internationalization of a Firm,” Journal of International Business Studies, 25(2), 325-342
Sullivan, Daniel (1996), “Measuring the Degree of Internationalization of a Firm: A reply,” Journal of International Business Studies, 27(1), 179-192
Thomas, Lioyd B. Jr. (1986), Money, Banking and Economic Activity, Third Edition, New Jersey: Prentice Hall, 133-134.
Vernon, Raymond (1966), “International Investment and International Trade in the Product Cycle,” Quarterly Journal of Economics, 80, 190-207.
United Nations (2005), “Transnational Corporations and the Internationalization of R&D,” World Investment Report 2005, 9., New York and Geneva: United Nations
描述 碩士
國立政治大學
行政管理碩士學程
93921032
94
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0093921032
資料類型 thesis
dc.contributor.advisor 黃智聰zh_TW
dc.contributor.author (Authors) 張燕玉zh_TW
dc.creator (作者) 張燕玉zh_TW
dc.date (日期) 2005en_US
dc.date.accessioned 19-Sep-2009 13:51:35 (UTC+8)-
dc.date.available 19-Sep-2009 13:51:35 (UTC+8)-
dc.date.issued (上傳時間) 19-Sep-2009 13:51:35 (UTC+8)-
dc.identifier (Other Identifiers) G0093921032en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/37444-
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) 93921032zh_TW
dc.description (描述) 94zh_TW
dc.description.abstract (摘要) 隨著全球化的時代來臨,產業基於成本、市場、原物料供應以及追隨顧客等因素遂跨國經營,以追求利潤、提升競爭力或生存。銀行業也不例外,本文研究目的即在探討銀行國際化程度的高低對其經營績效的影響,並就相關文獻整理與資料蒐集彙整,研究台灣本地銀行赴海外設立營運據點的過程、背景,以探討銀行國際化程度對其績效之影響。在研究方法方面,本文針對2002年到2005年底全體本國銀行之國際化指標、廠商特性與其財務績效等變數進行研究,以多元迴歸模型計進行實證研究。國際化指標方面,以海外據點占總據點、海外營收佔總營收、海外資產占總資產及海外員工占總員工人數比等國際化變數加以衡量;廠商特性則以代表規模的資產與代表經驗的成立時間衡量;銀行績效則以資產報酬率(Return On Asset,ROA)與股東權益報酬率(Return On Equity,ROE)衡量。研究結果發現銀行海外據點比、海外資產比與國外員工比等國際化指標對銀行ROA、ROE均有顯著的正面影響;而ROA較ROE更為顯著,顯示銀行的國際化程度對其經營績效的確有正向影響。本研究結果應可提供銀行業經營策略之擬定與政府訂定相關政策與法規之參考。zh_TW
dc.description.tableofcontents 第一章 緒論………………………………………………1
第一節 研究背景、動機與目的………………………1
第二節 研究架構與研究限制…………………………7
第二章 文獻回顧 ………………………………………10
第一節 國際化相關理論………………………………10
第二節 經營績效之衡量………………………………14
第三節 國際化與經營績效之關係……………………16
第四節 影響銀行經營績效之因素……………………20
第五節 本章小結………………………………………20
第三章 台灣本地銀行國際化現況分析 …………………23
第一節 銀行海外分支機構之型態 ……………………23
第二節 台灣本地銀行國際化之現況…………………25
第三節 本章小結………………………………………35
第四章 研究設計 ………………………………………37
第一節 研究方法 ……………………………………37
第二節 實證模型設定與資料來源說明………………39
第三節 實證變數說明…………………………………44
第四節 本章小結………………………………………49
第五章 實證結果與模型檢定……………………………50
第一節 實證結果 ………………………………………50
第二節 實證模型之相關檢定 …………………………56
第三節 本章小結………………………………………59
第六章 結論與建議………………………………………61
第一節 結論 ……………………………………………61
第二節 後續研究建議 …………………………………63
參考文獻……………………………………………………64

第一節 研究方法 …………………………………………37
第二節 實證模型設定與資料來源說明……………………39
第三節 實證變數說明………………………………………44
第四節 本章小結……………………………………………49
第五章 實證結果與模型檢定……………………………50
第一節 實證結果 …………………………………………50
第二節 實證模型之相關檢定 ……………………………56
第三節 本章小結……………………………………………59
第六章 結論與建議………………………………………61
第一節 結論 ………………………………………………61
第二節 後續研究建議 ……………………………………63
參考文獻……………………………………………………64
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dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0093921032en_US
dc.subject (關鍵詞) 台灣zh_TW
dc.subject (關鍵詞) 國際化zh_TW
dc.subject (關鍵詞) 經營績效zh_TW
dc.subject (關鍵詞) 銀行國際化zh_TW
dc.subject (關鍵詞) 廠商特性zh_TW
dc.title (題名) 國際化程度對銀行經營績效之影響—以台灣本地銀行為例zh_TW
dc.title (題名) Impacts of Internationalization on the Operational Performance of Taiwan-based Banksen_US
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 一、 中文部分zh_TW
dc.relation.reference (參考文獻) 李逸庭(1994),《我國銀行業國際化因素之探討》。台北:國立台灣大學國際企業學系研究所碩士論文。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》。台中:私立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) 吳建良(2000),「資本適足率與逾期放款率對銀行財務績效之影響」,《台灣銀行季刊》,第五十六卷第二期,頁1-27。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》。台北:國立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) 張修齊(2001),《大陸金融環境與競爭力評估》,台北:台灣金融研訓院。zh_TW
dc.relation.reference (參考文獻) 黃志典(1994),《我國銀行業國際化因素之探討》。台北:國立台灣大學國際企業學研究所碩士論文。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》,第十九卷第五期,頁811-842。zh_TW
dc.relation.reference (參考文獻) 二、政府出版品zh_TW
dc.relation.reference (參考文獻) 中央銀行金融業務檢查處(2001~2005),《本國銀行營運績效季報》,台北:中央銀行。zh_TW
dc.relation.reference (參考文獻) 中央銀行經濟研究處(2001~2005),《中華民國金融統計月報》,台北:中央銀行。zh_TW
dc.relation.reference (參考文獻) 行政院金融監督管理委員會銀行局統計室(2001~2005),《中華民國台灣地區基本金融資料》,台北:金管會銀行局。zh_TW
dc.relation.reference (參考文獻) 行政院金融監督管理委員會銀行局統計室(2001~2005),《金融業務統計輯要》,台北:金管會銀行局。zh_TW
dc.relation.reference (參考文獻) 三、英文部分zh_TW
dc.relation.reference (參考文獻) Ayadi, O. Felix, Arinola O. Adebayo and Eddy Omolehinwa (1998), “Bank Performance Measurement in a Developing Economy: An Application of Data Envelopment Analysis,” Managerial Finance, 24(7), 5.zh_TW
dc.relation.reference (參考文獻) Aliber, Robert Z. (1976), “International Bank: A Survey,” Journal of Money, Credit, and Banking, 16(25), 47-51.zh_TW
dc.relation.reference (參考文獻) Annavarijula, M. and S. Beldona (2000), “Multinationality-Performance Relationship: A review and Reconceptualization,” The International Journal of Organizational Analysis, 8(1), 48-67.zh_TW
dc.relation.reference (參考文獻) Collins, J. Markham (1990), “A Market Performance Comparison of U.S. Firms Active in Domestic Developed and Developing Countries,” Journal of International Business Studies, 21(2), 271-87.zh_TW
dc.relation.reference (參考文獻) Cho, Kang Rae (1986), “Determinants of Multinational Banks,” Management International Review, 26(1), 10-23.zh_TW
dc.relation.reference (參考文獻) Daniel, John D. and Jeffrey Bracker (1989), “Profit Performance: Do Foreign Operations Make a Difference?” Management International Review, 29, 46-56.zh_TW
dc.relation.reference (參考文獻) Delios, Andrew and Paul W. Beamish (1999), “Geographic Scope, Product Diversification, and the Corporate Performance of Japanese Firms,” Strategic Management Journal, 20(8), 711-727zh_TW
dc.relation.reference (參考文獻) Deresky, Helen (1994), International Management: Managing Across Boarders and Cultures: New York: Haper Collins College Publisher.zh_TW
dc.relation.reference (參考文獻) Gomes, Lenn and Kannan Ramaswamy (1999), “An Empirical Examination of the Form of the Relationship between Multinationality and Performance,” Journal of International Business Studies, 30(1), 173-188.zh_TW
dc.relation.reference (參考文獻) Grant, Robert M. (1987), “Multinationality and Performance among British Manufacturing Companies,” Journal of International Business Studies, 18(3), 79-89zh_TW
dc.relation.reference (參考文獻) Grant, Robert M., Azar P. Jammine, and Howard Thomas (1988), “ Diversity, Diversification, and Profitability Among British Manufacturing Companies, 1972-1984,” Academy of Management Journal, 31(4), 771-801.zh_TW
dc.relation.reference (參考文獻) Grubel, Herbert G. (1977), Multinational Banking, In P. Erderwick (ed.) Multinational Severice Firms. Singapore: Institute of Southeast Asian Studies.zh_TW
dc.relation.reference (參考文獻) Hill, R. Carter, E. Griffiths William, and G. Judge George (2001), Undergraduate econometrics, Second Edition, New York: John Wiley & Sons, Inc.zh_TW
dc.relation.reference (參考文獻) Hsiao, Cheng (1986), Analysis of Panel Data, Econometric Society Monographs, no. 11 Cambridge; New York and Sydney: Cambridge University Press, 1986.zh_TW
dc.relation.reference (參考文獻) Leung, M. K. and T. Young(2002), “China’s Entry to the WTO: Managerial Implications for Foreign Banks,” Managerial and Decision Economics, 23(1), 1-8.zh_TW
dc.relation.reference (參考文獻) Leung, M. K., T. Young, and D. Rigby (2003), “Explaining the Profitability of Foreign Banks in Shanghai,” Managerial and Decision Economics, 24(1), 15-24.zh_TW
dc.relation.reference (參考文獻) Michel, Allen and Israel Shaked (1986), “Multinational Corporations vs. Domestic Corporations: Financial Performance and Characteristics,” Journal of International Business Studies, 17(3), 89-100.zh_TW
dc.relation.reference (參考文獻) Miller, Stephen M. and Athanasios G. Noulas (1996), “The Technical Efficiency of Large Bank Production,” Journal of Banking and Finance, 20(3), 495-509.zh_TW
dc.relation.reference (參考文獻) Olusoga, S. Ade (1993), “Marker Concentration Versus Marker Diversification and Internationalization: Implications for MNE Performance,” International Marketing Review, 10(2), 40-59.zh_TW
dc.relation.reference (參考文獻) Phatak, Arvind (1990), “The Effects of Transborder Data Flow Restrictions on American Multinational Corporation,” Management International Review, 30(3), 267-290.zh_TW
dc.relation.reference (參考文獻) Ramaswamy, Kannan (1995), “Multinationality, Configure, and Performance: A Study of Manes in the U.S. Drug and Pharmaceutical Industry,” Journal of International Management, 1(2), 231- 253.zh_TW
dc.relation.reference (參考文獻) Sullivan, Daniel (1994), “Measuring the Degree of Internationalization of a Firm,” Journal of International Business Studies, 25(2), 325-342zh_TW
dc.relation.reference (參考文獻) Sullivan, Daniel (1996), “Measuring the Degree of Internationalization of a Firm: A reply,” Journal of International Business Studies, 27(1), 179-192zh_TW
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