存款機構之電子金融策略 : 以選擇權評價模式分析

機構典藏 > College of Business and Management > Graduate Institute & Department of International Business > Thesis > Item 987654321/32056

Please use this identifier to cite or link to this item: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/32056

Title:	存款機構之電子金融策略 : 以選擇權評價模式分析
Other Titles:	Depository financial intermediary's e-finance strategies : an option-based valuation
Authors:	蔣文仲;Chiang, Wen-chung
Contributors:	淡江大學國際貿易學系國際企業學碩士班林志娟;Lin, Jyh-jiuan;鮑世亨
Keywords:	電子金融策略;資訊不對稱;資本管制;Strategic E-Finance;Asymmetric Information;Capital-to-Deposits Ratio
Date:	2006
Issue Date:	2010-01-11 01:36:07 (UTC+8)
Abstract:	本文透過兩期、兩階段的選擇權評價模式來分析，在資本管制、資訊不對稱、電子金融涉入程度與存款機構之最適存款利率之關係。本文認為電子金融不只是一項科技，同時也是種策略，於本文模型分析結果顯示，一旦我們將電子金融視為一項科技時，當存款機構採行存、放款互補策略時，則存款機構可以利用網路來取代銀行之實體分行。而一旦我們將電子金融視為一項策略時，當存款機構採行電子金融互補策略(替代)時，則資本管制與資訊不稱的程度提高，將會為存款機構發展電子金融提供誘因(無誘因)。因此，本文研究結果可以為電子金融提供另一種的解釋角度，更提供存款機構在發展電子金融策略時做為參考。 We use a two-stage, two-period option-based model to study how capital regulation, asymmetric information, strategic e-finance and the depository financial intermediary’s optimal deposit rate relate to one another. We found that e-finance can be treated as not only a technology but also a strategy. Once we treated that e-finance is a technology, we found that the depository financial intermediary can use the Internet to supplant its branches under the strategic complements in the strategic asset-liability management. Once we treated that e-finance is a strategy, we found that an increase in the capital requirements and asymmetrical information provide incentives for the intermediary’s developing e-finance under the strategic e-finance complements. Since our findings provide an alternative explanation for e-finance literature.
Appears in Collections:	[Graduate Institute & Department of International Business] Thesis

Files in This Item:

File	Size	Format
	0Kb	Unknown	219	View/Open

Loading...