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Title: | 本國銀行近年獲利增加之原因探討 The Analysis of Profit Increasing Factors for Taiwanese Banks from 2010 to 2014 |
Authors: | HAO-HSUAN HSU 徐浩瑄 |
Advisor: | 陳業寧 |
Keyword: | 銀行獲利因素,手續費收益,利息收益,離岸分行收益,OBU, Profit factors,Interest Income,Fee Income,Offshore Branch Profit,OBU, |
Publication Year : | 2016 |
Degree: | 碩士 |
Abstract: | 台灣本土銀行於2010年至2014年的獲利明顯較過去高,更有逐年增長的趨勢,究竟是什麼原因使得銀行在這五年間,獲利不斷成長,是本論文要探討的主題。過去文獻較著重於單一業務的分析,例如信用卡對於資產報酬率的影響,抑或是針對銀行放款品質、風險敏感性等因素做獲利研究分析,較少概括銀行各層面的業務,因此本論文將從銀行放款、存款等利息收益面;信用卡、衍生性金融商品交易等手續費收益面;OBU、大陸分行和其他國外分行等離岸業務收益,以及銀行本身的特性,例如存放比、資產規模和自有資本比率等,綜合分析銀行的獲利因素。
實證結果發現,逾放比、存放款利差、信用卡循環信用、定期性存款和用人費用皆對銀行獲利有負向影響。而承做衍生性商品交易以及離岸分行收益對於銀行獲利有正向影響。較為特殊的是銀行對民營企業放款的比例,對於小銀行而言,增加企業放款能夠增加獲利,但對大銀行而言,增加企業放款反而是降低獲利。由於台灣本土銀行於2010年至2014年逐步減少以上對獲利有負面效果的業務比例,並且同時增加上述對獲利有正面效果的業務比例,因此五年來獲利不斷上升。 After the impact of financial crisis gradually diminishes, the profitability of Taiwanese banks has kept increasing. This thesis studies the factors that affect the return on asset of Taiwanese banks in the period of 2010 to 2014. It finds that non-performing loans, interest spread, credit card loans, time deposits and personnel expenses have a negative impact on bank’s profits, while financial derivatives transactions and businesses from offshore branches have a positive impact. Interestingly, loans to corporations have a positive impact on the profitability of small banks, and have a negative impact on the profitability of large banks. For Taiwanese banks, the importance of the businesses with negative influences on profits is reduced, while the importance of the businesses with positive influences on profits is increased during the period of 2010 to 2014. As a result, they generate higher profits. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/50990 |
DOI: | 10.6342/NTU201600495 |
Fulltext Rights: | 有償授權 |
Appears in Collections: | 財務金融學系 |
Files in This Item:
File | Size | Format | |
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ntu-105-1.pdf Restricted Access | 1.08 MB | Adobe PDF |
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