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題名 | 由東南亞金融風暴看我國銀行業經營績效之變化=The Impact of Asian Financial Crisisupon Banking Operation in Taiwan |
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作者 | 周鳳瑛; 魏珍怡; 莊淑卿; | 書刊名 | 龍華科技大學學報 |
卷期 | 18 民94.06 |
頁次 | 頁115-133 |
分類號 | 562.29 |
關鍵詞 | 銀行業; 股東權益報酬率; 因素分解; Banking; ROE; Factor decomposition; |
語文 | 中文(Chinese) |
中文摘要 | 我國自民國79年開放民營銀行設立與放寬金融機構申設分支機構以來,銀行業家數大幅成長,且在政府積極推動金融自由化與國際化的腳步之下,更加白熱化銀行業的競爭環境。本研究採用因素分解法之修正後拉氏指數法,針對國內金融機構在民國85年至民國91年之股東權益報酬率變動,以杜邦分析式進行運算與分析,並藉以檢視東南亞金融風暴對我國銀行業之經營行為的影響程度。研究結果顯示,東南亞金融風暴使我國銀行業獲利效果對ROE變動的影響逐漸下降,營運效果對ROE變動的影響不明顯,而在融資效果上,金融風暴後,我國銀行業更加著重資金來源配置與財務槓桿的運用,使得融資效果對ROE變動的影響有逐漸加大的現象。亦即,東南亞金融風暴過後,更加突顯出資金來源配置對我國銀行業經營績效與盈餘的影響,因此,建議銀行經營業者在追求獲利之餘,應特別注重融資的管理,方能有效降低經營的風險。 |
英文摘要 | Since the de-regulation of financial market in 1990, the banks have grown in number and thus faced keen competition, especially under the push of financial liberalization and internationalization. Based upon modified Laspeyres index, this study, by decomposing Du Pont system of analysis, aims to calculate and analyze the impact of Asian financial crisis upon the domestic banks during 1996 to 2002. The result reveals that the financial crisis has reduced the domestic banks' ROE and the bank operations are not affected significantly. In financial aspect, however, the banks are focused upon capital allocation and financial leverage sot he financial effect on ROE is broadened increasingly. In other words, the impact of capital allocation upon bank performance and surplus is highlighted after the storm. Eventually, to reduce the operation risk, the bankers should emphasize capital management other than seeking the profit. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。