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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/105133

    Title: A note on bank default risk and delivery channel strategy under deposit insurance fund protection
    Other Titles: 存款保險基金保護政策下銀行技術選擇與違約風險的關係
    Authors: 葛培勤;Keh, Kevin P.
    Contributors: 淡江大學國際企業學系碩士班
    Keywords: 障礙選擇權;美國聯邦存款保險公司;零售金融服務;Barrier Option;FDIC;Delivery channel choice
    Date: 2015
    Issue Date: 2016-01-22 14:48:36 (UTC+8)
    Abstract: 在金融環境不穩定的狀態下,相對科技成本,銀行增加對人力資源的投資使




    Increasing investment in human resource relative to information technology system in retail banking delivery channels increases the optimal bank interest margin and decreases the default risk in the bank’s equity returns during a financial crisis. Raising the regulatory barrier inducing a wealth transfer from shareholders to the Federal Deposit Insurance Corporation reinforces both the effects above. Human resource investment with regulatory deposit insurance fund protection as such make the distressed bank more prudent to risk-taking, thereby contributing to the stability of the banking system.
    Appears in Collections:[國際企業學系暨研究所] 學位論文

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