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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/93815

    Title: 公股銀行放款集中度對經營績效及逾放之影響分析
    Other Titles: Effect of bank's loan concentration on business performance and non-performing loan
    Authors: 劉雅鳳;Liu, Ya-Feng
    Contributors: 淡江大學財務金融學系碩士在職專班
    李沃牆;Lee, Wo-Chiang
    Keywords: 放款集中度;縱橫迴歸模型;逾放比;經營績效;Loan concentration;Panel regression model;Non-performing loan ratio;Business Performance
    Date: 2013
    Issue Date: 2014-01-23 13:32:55 (UTC+8)
    Abstract: 本文的主要研究動機是探討國內八家公股行庫對3D1S產業放款集中度與經營績效、逾放比之關係。在實證研究上,本文首先求出八家公股行庫對3D1S產業之放款集中度,再利用縱橫迴歸模型探討3D1S產業放款集中度的高低對公股銀行經營績效的影響,最後應用縱橫迴歸模型探討3D1S產業放款集中度高低對公股銀行逾放比的關係。
    The article try to explore the relationship between loan concentration and business performance, NPL of eight domestic public shares of banks that loan to 3D1S industry. In empirical study, I firstly obtained the loan concentration of eight banks to the 3D1S industry, then apply the panel regression model to discuss the relationship between loan concentration and business performance, NPL, respectively.
    The empirical results show that loan concentration of 3D1S industry has a positive significant affect on the bank''s business performance and the NPL ratio. This means that the loan concentration does help to improve return of asset (ROA) and return of equity (ROE) through receive a lot of interest income. However, the loan concentrated in certain industries will result a high credit risk concentration and relatively high NPL ratio.
    The allowances for bad debts and business performance shows a significant positive relationship. It implies that the better quality of bank assets, the better business performance.
    The loan-to-deposit Ratio and NPL ratio presents a significant positive relationship, which means that higher loan-to-deposit ratio, the chance of occurrence of non-performing loans may be greater. Whereas the scale of asset and return of equity (ROE), NPL also shows a significant positive relationship, which implies that when the scale of bank is larger, will has a relatively high amount of loan and interest income, respectively. It will causes a relatively higher chance of bad debt.
    Appears in Collections:[財務金融學系暨研究所] 學位論文

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