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    Title: 臺灣地區商業銀行回歸零售業務與報酬績效之研究
    Other Titles: Performance of the return to retail banking in Taiwan
    台灣地區商業銀行回歸零售業務與報酬績效之研究
    Authors: 徐永定;Hsu, Yung-ting
    Contributors: 淡江大學國際貿易學系國際企業學碩士班
    林志鴻;Lin, Jyh-horng
    Keywords: 回歸零售業務;銀行報酬績效;資產規模;Return to Retail Baking;Performance;Asset Scales
    Date: 2010
    Issue Date: 2010-09-23 15:32:41 (UTC+8)
    Abstract: 從1990年代中後期以後,銀行零售業務逐漸被全球的銀行業所重視,他的重要性也不斷的提高,在美國銀行業經歷經濟衰退等眾多衝擊下,零售業務對美國銀行業整體收入的貢獻度還是不斷增加。另外歐洲中央銀行的報告也指出,歐盟銀行業保持穩定的收入與盈利,很大的原因是消費者貸款等零售銀行業務的穩定成長。故台灣地區商業銀行在回歸零售業務的趨勢下對報酬績效之變化令人關切。

    本篇論文之研究期間為2002年至2007年,導入Hirtle and Stiroh(2007)研究報酬績效之研究方法,建立出主要的研究模型,並以台灣地區商業銀行資產前10大之銀行為研究對象,探討全球銀行業回歸零售業務的趨勢下,哪一種資產規模和屬性之銀行較為有利。

    根據本研究的研究樣本與研究期間,其實證結果發現,台灣地區商業銀行確實有回歸零售業務之趨勢。且對於全體銀行與小規模銀行而言,資產規模較大者其獲利較明顯。
    From the late 1990s. Retail banking business is valued by the global banking industry. Banking industry in the United States experienced under the impact of economic downturn. Retail business on the U.S. banking industry''s contribution to the overall degree of income or increasing. In addition the European Central Bank''s report also pointed out that the EU banking sector stability of income and profits, a big reason is consumer loans, the steady growth of the retail banking banking. Therefore, commercial banks in Taiwan in return under the trend of retail banking changes on the return performance of concern.

    This research is based on the time during 2002 to 2007, the import Hirtle and Stiroh (2007) of return performance of methods to establish a major research model, and to Taiwan''s top 10 commercial banks of Bank study, return of the global banking industry trend of retail business, assets and properties which are more beneficial to the bank.
    According to this objects and period of this research, We found that commercial banks in Taiwan indeed return to retail banking trends. And for all the banks and small banks, asset size is greater than its profits significantly.
    Appears in Collections:[國際企業學系暨研究所] 學位論文

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