請用此 Handle URI 來引用此文件:
http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/77577
標題: | 金融控股公司與非金控金融機構之經營策略與績效比較 The Strategies and Performance of Financial Holding Company (FHC) and Non-FHC Financial Institutions |
作者: | Cheng-Tao Chang 張正道 |
指導教授: | 李存修 |
關鍵字: | 金控公司,銀行,保險,財務比率分析, Financial holding company,Bank,Insurer,Financial ratio analysis, |
出版年 : | 2018 |
學位: | 碩士 |
摘要: | 本研究主要是觀察台灣金融機構的演變及發展,從公營行庫到民營化,又從我國金融控股公司法頒布施行,仿效美、日等國金融控股公司法制,推動金融改革,回顧過去十多年來的金融業挑戰及版圖消長,將金融控股公司及非金控金融機構進行比較、分析與探討,以了解在經營能力、獲利能力及價值呈現上的差異性。
透過本研究針對金控公司及非金控金融機構間的經營績效指標進行比較,包括以ROE、ROA及PE等比率進行比較分析,金控公司因為是合併銀行、保險及證券等各業別的表現,具有互補的效果,而非金控金融機構對於市場變化的影響結果則產生較大幅度的變動。由EPS及獲利表現上來看,研究結果呈現金融控股公司的確有顯著的領先優勢。 最後,建議未來研究者可以擴大研究期間及資料蒐集量,本研究偏重比率分析,建議可做其他方式的檢定,針對金融科技、AI或大數據的運用方面,因為事關台灣金融機構未來的發展契機,建議政府盡快開始規劃政策面及法規面的鼓勵及配套。 The purpose of this study is to observe the evolution and development of Taiwan’s financial institutions, from public banks to privatization, and from the promulgation and implementation of the financial holding company law to imitate the legal system of financial holding companies in the United States, Japan and other countries to promote financial reforms. Over the years, the financial industry has faced challenges and the growth of its territory. The financial holding companies and non-FHC financial institutions have been compared, analyzed and discussed to understand the differences in operating capabilities, profitability and value presentation. Through this study, we compare the performance indicators of financial holding companies and non-FHC financial institutions, including the comparative analysis of ROE, ROA, and PE ratios. Financial holding companies are merging banks, insurance, securities and other industries. Performance has a complementary effect, and non-financial financial institutions have a significant change in their effect on market changes. From the standpoint of EPS and profitability, the research results show that financial holding companies do have a significant leading edge. Finally, it is suggested that future researchers can expand the research period and the data to be collected. This study emphasizes ratio analysis and suggests that other methods can be used to determine the future development of financial institutions in Taiwan based on the use of financial technology, AI or big data. It is suggested that the government should start planning and encouraging policies and regulations as soon as possible. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/77577 |
DOI: | 10.6342/NTU201802344 |
全文授權: | 未授權 |
顯示於系所單位: | 財務金融組 |
文件中的檔案:
檔案 | 大小 | 格式 | |
---|---|---|---|
ntu-107-P04745008-1.pdf 目前未授權公開取用 | 2.01 MB | Adobe PDF |
系統中的文件,除了特別指名其著作權條款之外,均受到著作權保護,並且保留所有的權利。