淡江大學機構典藏:Item 987654321/87221
English  |  正體中文  |  简体中文  |  全文笔数/总笔数 : 62819/95882 (66%)
造访人次 : 4010244      在线人数 : 998
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library & TKU Library IR team.
搜寻范围 查询小技巧：
  • 您可在西文检索词汇前后加上"双引号"，以获取较精准的检索结果
  • 若欲以作者姓名搜寻，建议至进阶搜寻限定作者字段，可获得较完整数据
    •  进阶搜寻


    jsp.display-item.identifier=請使用永久網址來引用或連結此文件: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/87221


    题名: 農業金融機構不動產放款與總體變數之動態關連性 : X農會個案研究
    其它题名: The dynamic relationship between mortgage loan and macroeconomics variables for agricultural financial institutes : case study of X farmers' association
    作者: 石壽明;Shih, Shou-Ming
    贡献者: 淡江大學財務金融學系碩士在職專班
    李沃牆;Lee, Wo-Chiang
    关键词: 農業金融法;雙元金融;農業金庫銀行;多元迴歸;分量迴歸;Agricultural Finance Act;Dual Financial;Service Quality;perceived price;Customer Satisfaction
    日期: 2012
    上传时间: 2013-04-13 10:51:52 (UTC+8)
    摘要: 農業金融機構之營運績效，以不動產放款貢獻比例最高。故本研究以近二十年都市化較明顯之都市型農會個案為例，首先應用OLS探討個案農會之不動產放款與總體變數之動態關連性。實證結果顯示，M1B、股價指數、景氣對策信號燈、CPI、M1B*股價指數(交乘項)對放款金額的影響均為顯著。其中，M1B的影響為正向。但股價指數卻與放款金額成反比關係。景氣對策信號燈對放款則顯著的正相關。再者是CPI指數，其與放款金額呈負向變化。M1B*股價指數(交乘項)與放款金額呈正向變化。本文進一步透過分量迴歸模型探討各影響因子在不同分位數下的放款金額關係，發現除了景氣對策信號燈有較明顯的正負號變化外，其他三個變數均與多元迴歸結果一致。這些結果可供風險承擔能力相對薄弱且競爭日益激烈之農業金融機構為政策方向之參考。
    關鍵字：農業金融法、雙元金融、農業金庫銀行、多元迴歸、分量迴歸
    Among the operating performance of the agricultural financial institutions, the highest proportion of contribution is real estate loans. In this study, we select the more urbanization farmers’ association during the two decades. We first apply the OLS model to investigate the correlation between real estate loan of farmers'' associations and four related macroeconomic variables. The empirical results show that M1B, stock index, monitoring indicators, CPI and M1B * Stock Price Index (cross multiply term) are significant on the loan amount. Where M1B has a positive impact on the loan.amount. Stock index was negative correlated with the loan amount. Monitoring indicators has a positive significant correlation with the loan amount. Moreover, the CPI index exhibits a negative change to the loan amount. M1B * Stock Price index (cross multiply term) has a positive change to the loan amount. We further to apply the quantile regression model to investigate significant of the variables to different quantile loan amount. The results represent that most of the variables has the same sign with OLS model except monitoring indicators. The results can provide for agricultural financial institutions as the policy reference which’s risk-taking ability is relatively weak and increasingly competitive.
    显示于类别:[財務金融學系暨研究所] 學位論文

    文件中的档案:

    档案 大小格式浏览次数
    index.html0KbHTML152检视/开启

    在機構典藏中所有的数据项都受到原著作权保护.

    TAIR相关文章

    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library & TKU Library IR teams. Copyright ©   - 回馈