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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/64159


    Title: Risk-Shifting Behavior in Taiwan’s Small and Medium-Sized Commercial Banks under Different Deposit Insurance Systems
    Authors: 張傳章(Chang, Chuang-chang);陳薇如(Chen, Wei-ju)
    Contributors: 淡江大學會計學系
    Keywords: 風險轉嫁行為;風險差別費率制度;存款保險費率;最大概似估計;Risk-shifting behavior;Risk-based premium system;Deposit insurance premium;Maximum likelihood estimation
    Date: 2013-12-01
    Issue Date: 2011-10-20 12:47:18 (UTC+8)
    Publisher: The Official Publication of The Taiwan Finance Association
    Abstract: This paper examines the risk-shifting behavior of Taiwan’s small and medium-sized commercial banks both prior to and after the adoption of a risk-based premium system. We use the Duan et al. (1992) model to investigate the changes in their risk-shifting behavior. We find that the effects of risk-restraining measures were reduced as a result of the adoption of the risk-based system. Our results also demonstrate that risk-shifting behavior within these commercial banks was quite successful under the flat-rate premium system, and that such behavior was not mitigated as a result of the implementation of the risk-based premium system.
    Relation: Journal of Financial Studies 21(4), pp.1-24
    Appears in Collections:[會計學系暨研究所] 期刊論文

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