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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/19557


    Title: Financial e-commerce under capital regulation and deposit insurance
    Authors: Lin, Jyh-Horng;Jou, Rosemary
    Contributors: 淡江大學國際貿易學系
    Keywords: Bank interest margin;Financial e-commerce;Capital regulation;Deposit insurance;Black–Scholes valuation
    Date: 2005
    Issue Date: 2009-11-04 17:21:15 (UTC+8)
    Publisher: Elsevier
    Abstract: We use a two-stage contingent claim analysis model to study how capital regulation, deposit insurance, involvement in financial electronic commerce (e-commerce), and the optimal bank interest margin relate to one another under an uncertain loan loss source. Under strategic substitutes, both capital regulation and deposit insurance provide incentives for developing financial e-commerce, which helps the bank's growth. Our findings provide alternative explanations for the bank interest margin, which integrates the risk considerations of pricing equity with the bank's involvement in financial e-commerce, and for the asset–liability management rate-setting behavioral modes under capital regulation and deposit insurance.
    Relation: International Review of Economics & Finance 14(2), pp.115-128
    DOI: 10.1016/j.iref.2003.10.002
    Appears in Collections:[國際企業學系暨研究所] 期刊論文

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