本論文建立一個具有銀行廠商特性的放款業務管理模式，在銀行回歸零售業務的趨勢下，其評價的目標是台灣地區外商銀行的放款業務。本研究模型的主要概念是來自於Gunji and Yuan(2006)，並進一步運用Kishan and Opiela(2000)等三篇文獻中解釋之放款行為的論點，建構銀行對於其放款業務的管理模式。
結果發現放款管理模式主要可以分為：資產管理模式、獲利管理模式以及流動性管理模式。屬於資產管理模式的台灣地區外商銀行有六家；在資產管理模式中，銀行的平均總資產與總放款數量呈現正相關。屬於獲利管理模式的台灣地區外商銀行有九家；在獲利管理模式中，銀行的淨利佔總資產比重與總放款數量呈現正相關。屬於流動性管理模式的台灣地區外商銀行有九家；在流動性管理模式中，銀行的流動性資產佔總資產比重與總放款數量在大規模銀行裡呈現正相關，在小規模銀行裡呈現負相關。 This paper attempts to consider the concepts of foreign banks in different asset scales, the monetary policy to lending channel’s influence, and use balance sheet’s activities to explain loan behavior of the return to retail banking. In addition, we also integrate these concepts to built the models, and use these models to differentiate loan management modes.
Result show: There are three lending channel management modes of foreign bank in Taiwan. They are asset management mode, profitability mode and liquidity mode. There are six foreign banks in Taiwan which belong to asset management mode. The asset and the loan are positively related. There are nine foreign banks which belong to profitability mode. The profitability and the loan are positively related. Moreover, there are nine foreign banks belong to liquidity mode. The liquidity and the loan are positively related in large-scale banks; the liquidity and the loan are negatively related in small-scale banks.
