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題 名 | 臺灣地區銀行經營績效評等之分析--以本國銀行與外商銀行為例=Analysis of Banking Operating Performance Evaluation in Taiwan Area--Domestic and Foreign-Branch Banks |
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作 者 | 李佳珍; | 書刊名 | 嘉義技術學院學報 |
卷 期 | 67 1999.12[民88.12] |
頁 次 | 頁79-97 |
分類號 | 562.29 |
關鍵詞 | 臺灣地區; 經營績效; 銀行; 因素分析; Taiwan area; Operating performance; Banks; Factor analysis; |
語 文 | 中文(Chinese) |
中文摘要 | 本研究主要是利用多變量因素分析法,來選取重要的財務指標,據以分析本國銀行與外商銀行在臺分行經營績效評等模型,並進一步檢視兩者間在經營績效上是否有無顯著的差異,以供有關單位參考,茲將本研究之實證結果歸納如下:1. 銀行經營績效之重要財務指標為效率性、獲利性、資本適足性、流動性、管理能力和成長性。2. 本國銀行與外商銀行在臺分行評等結果,列為A級的只有4家(本國1家,外商3家)、B級的有9家(本國3家,外商6家)、C級的有34家(本國23家,外商11家)、D級的有14家(本國5家,外商9家)、E級的有4家(本國1家,外商3家)。顯示目前銀行之經營體質仍極待改善,尤其是被評為D級及E級之銀行,更應加強監督管理,以因應未來金融自由化、國際化之衝擊。3. 本國銀行之效率性、管理能力及成長性是優於外商銀行,但其獲利性、流動性及資本適足性卻較外商銀行差。就整體經營績效來看,則發現外商銀行之績效表現優於本國銀行。故未來對於本國銀行在經營管理上應加強管理其流動性、獲利性及資本適足性等財務指標。 |
英文摘要 | The objective of the present investigatin was to study the important financial index by using multivariate factor analysis, then to compare the estimating models of operating performance among Taiwan's banks and foreign-branch banks in Taiwan, as well as the their possible significantly difference was closely examination. 1. The financial indicators of operation performance, includes efficiency, earning, capital adequacy, liquidity, manage power, and growth. 2. The estimated results among Taiwan's banks and the foreign-branch banks in Taiwan, there was 4 banks in the level A (1/3, Taiwan's:foreign-branch banks), 9 in the level B (3/6, Taiwan's:foreign-branch banks), 34 in the level C (23/11, Taiwan's:foreign-branch banks), 14 in the level D (5/9, Taiwan's:foreign-branch banks), and 4 in the level E (1/3, Taiwan's: foreign-branch banks). The results suggest that the constitution of banks in management still need to improve, and the banks in levels D and E will further to monitor and control especially, as will to fact the strike against financial deregulations and internalization. 3. Although the efficiency, manage power, and growth in Taiwan's banks were better than the foreign-branch banks in Taiwan, but the performance of earning, liquidity, and capital adequacy were better in latter. In summary, the foreign-branch banks have good overall operating performance, and Taiwwan's banks will try to improve the index including that liquidity, earning, and capital adequacy in the future. |
本系統中英文摘要資訊取自各篇刊載內容。