頁籤選單縮合
題名 | 以CAMEL指標探討金融控股公司子銀行之經營績效=Using CAMEL Indicators to Investigate the Performance of Subsidiary Banks of Financial Holding Companies |
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作者姓名(中文) | 陳信宏; 林香靜; 葉鴻霖; 林香靜; 葉鴻霖; | 書刊名 | 全球商業經營管理學報 |
卷期 | 7 2015.09[民104.09] |
頁次 | 頁49-59 |
分類號 | 562.29 |
關鍵詞 | 金融控股公司; 經營績效; CAMEL指標; Financial holding company; Operational performance; CAMEL indicators; |
語文 | 中文(Chinese) |
中文摘要 | 金融機構是帶動所有產業發展不可或缺的重要後盾及推手,台灣早期公營銀行主要以發展經濟與 穩定金融等政策目的之功能性銀行為主;後為因應國內外自由市場激烈競爭及產業需求,廣大開放民 營銀行成立,直至1997 年亞洲金融風暴暴露許多本土銀行因惡性競爭造成本身體質惡化、負債過高的 問題。另自2000 年起,分別於 2000 年、2004 年推動一次、二次金改,致力合併基層金融機構及開放 金融控股公司成立,以期能達到合併綜效並確實減少國內飽和的金融機構惡性競爭,創造更適投資環 境。本研究的目的即在了解在台灣金融界進入金控時代已滿第10 個年頭裡,隸屬於金控公司旗下的子 銀行,不論在經營層面、獲利層面,是否都有顯著正向的表現。本研究經過樣本篩選後以3 家官股金 控公司的子銀行,即華南銀行、兆豐銀行及第一銀行為研究樣本,透過美國 Uniform Financial Institution Rating System 評鑑銀行績效的方法CAMEL 指標,搭配我國中央銀行公布的金融健全指標,選取14 個財務績效比率,作為本次銀行績效研究之標準。其結果發現:1.金融控股公司的經營模式對隸屬子 銀行的經營確有正向的綜效表現。2.本研究中兆豐銀行在CAMEL 指標評比中較優於其他2 家銀行, 其主要因素可歸納為:(1)自有資本比例高,(2)民營化時間較長,(3)外匯業務拓展等3 項因素。 |
英文摘要 | Financial institutions are indispensable support and forces behind all industrial development. In Taiwan, early on the public banks were primarily functional banks that focused on policy objectives, such as economic development and financial stability. Later, in order to cope with the intense free market competition in Taiwan and abroad as well as industrial demands, many private banks were permitted to open. In 1997, the Asian financial crisis exposed the problems in many domestic banks such as weakened constitution and excessive debts caused by negative competition. In addition, starting in 2000, the first and second financial reforms were promoted in 2000 and 2004, which emphasized the mergers between lower-level financial institutions and the permission to form financial holding companies. These policies were administered in hopes of achieving the benefits of mergers and decreasing negative competition in a saturated domestic financial market, in order to create a more suitable environment for investment. As it has been ten whole years since the financial sector of Taiwan has entered the age of financial holding companies, the purpose of this study is to understand whether subsidiary banks under financial holding companies have achieved positive performance in operations and profitability. After filtering the samples, this study chose as the research sample three subsidiary banks under financial holding companies with public stock including Hua Nan Commercial Bank, Mega International Commercial Bank, and First Commercial Bank. This study uses the CAMEL indicators used by the United States Federal Financial Institutions Examination Council to assess bank performance, along with the financial soundness indicators published by the Central Bank of the Republic of China. Among them, 14 financial performance ratios are selected to serve as the standards for research on bank performance. The result of this study indicates that the business model of the financial holding company does have a positive composite performance in regards to the operations of subsidiary banks. Furthermore, Mega International Commercial Bank outperformed the other two banks in terms of CAMEL indicators. The three primary reasons for this are: higher ratio of equity capital, longer period as privatized bank, and expansion of foreign currency business. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。