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    Please use this identifier to cite or link to this item: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/104618

    Title: Regional Performance of China's Banks: Evidence from Industrial and Commercial Bank of China
    Authors: Yang, Wen;Liu, Yi-Cheng;Mai, Shin-Ying;Mai, Chao-Cheng
    Keywords: Geospatial analysis;LISA;spatial econometric model;Industrial and Commercial Bank of China
    Date: 2015-09-14
    Issue Date: 2016-01-06 11:05:01 (UTC+8)
    Publisher: World Scientific Publishing Co. Pte. Ltd.
    Abstract: This paper investigates regional performances of China's and the world's largest commercial bank: the Industrial and Commercial Bank of China (ICBC), by its spatial patterns and geographical distribution of deposits. Moran I of Geoda software and the Local Indicators of Spatial Association (LISA) are applied. Empirical evidence shows that overall performances of ICBC depended consistently on Yangtze River Delta and Bohai Sea region while performances of other regions were relatively lower-performed during this period. Interestingly, branches performances in coastal provinces were not necessarily better than those in interior provinces because branches in Pearl River Delta were constantly under-performed. Furthermore, we identified that spatial effects and workers population have large, statistically significant impacts on branches' performances by employing spatial econometric tools. However, workers population have reverse effects on deposits performances. Evidences indicate that the bank branches performances of deposits rely on transferring deposits from less worker-concentrated areas or acquiring deposits through other sources: corporate, governmental accounts. It is the competitive advantage that ICBC becomes the most profitable bank from economies of scales and scopes in procuring deposit through various sources and making loans in worker-populated areas where funds are highly demanded. These also illuminate the future improvement and direction for bank management and government policy.
    Relation: Review of Pacific Basin Financial Markets and Policies 18(3), p.1550020 (25 pages)
    DOI: 10.1142/S0219091515500204
    Appears in Collections:[Graduate Institute & Department of Statistics] Journal Article
    [Graduate Institute & Department of International Business] Journal Article
    [Graduate Institute & Department of Industrial Economics] Journal Article

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