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全球銀行業收入多角化對銀行績效的影響 = The Effect of R...

國立高雄大學高階經營管理碩士在職專班(EMBA)

全球銀行業收入多角化對銀行績效的影響 = The Effect of Revenue Diversification on BankPerformance in the Global Banking Industry

Record Type:	Language materials, printed : monographic
Paralel Title:	The Effect of Revenue Diversification on BankPerformance in the Global Banking Industry
Author:	楊博富,
Secondary Intellectual Responsibility:	國立高雄大學
Place of Publication:	[高雄市]
Published:	撰者;
Year of Publication:	民99[2010]
Description:	66面圖，表 : 30公分;
Subject:	商業銀行
Subject:	Commercial bank
Online resource:	http://handle.ncl.edu.tw/11296/ndltd/70868344190397098541
Summary:	金融海嘯自美國掀起，如猛獸般迅速地席捲全球，吞噬著各國經濟成長果實，全球股市更是狂跌不止。為穩定資本市場，歐美各國相繼提出各項緊急措施，我國政府亦與全球同步，提出諸多因應金融海嘯的措施，包括大幅降息、限制放空、救助大型企業、提高存款保額等。本研究以分散收入來源來探討全球性銀行多角化，探討銀行多角化的影響進行實證分析，其次，探討在銀行的規模及經濟成長變動不同情況下，多角化經營對銀行利潤及風險影響？本文研究期間為1995到2009年，研究樣本為全球前一百大及前五百大的銀行，結果顯示淨非利息收入比率與平均資產報酬率及平均股東權益報酬率為正向顯著相關，淨利息邊際為負向顯著相關。手續費及佣金收入比率與淨利息邊際及平均資產報酬率為負相關，平均股東權益報酬率為正相關。金融利益比率與淨利息邊際及平均資產報酬率為負相關，平均股東權益報酬率為正相關。收入多角化與平均資產報酬率及平均股東權益報酬率為正相關。金融海嘯後平均資產報酬率及平均股東權益報酬率其數值有明顯下降的變化。 Financial tsunami started from the United States immediately swept across the world. It devoured all the results of economic growth. The global stock markets were also collapse. To stabilize the capital markets, the European countries and the United States have proposed emergency measures. Taiwan government was synchronized in response to the financial tsunami. The government employee several approaches such as dramatically lowering interest rates, limiting short sale, subsidizing large enterprises, and increasing the insured amount of the deposits to face this financial crisis. The objective of this study is to discuss the issue of the issue of the revenue diversification in the global banking industry. It examines the effect of the revenue diversification on the bank performance. Furthermore, under different size and economic conditions, the influences of bank revenue diversification on bank profitability and risk are also examined. The examination period is from 1995 to 2009. First one hundred and first five hundred banks in size are the samples of this study. The results show that net non-interest income ratio is positively correlated with average return on equity and assets. However, net interest margin is negatively correlated to those profitability measures. Fees and commissions ratio negatively correlated with net interest margin but positively correlated with average return on equity. Trading ratio is negatively correlated with net interest margin and average return on assets, but positively correlated with return on equity. Revenue diversification is positively correlated with average return on equity and assets. The average return on equity and assets are obviously decreasing after the financial tsunami.

全球銀行業收入多角化對銀行績效的影響 = The Effect of Revenue Diversification on BankPerformance in the Global Banking Industry
楊, 博富

全球銀行業收入多角化對銀行績效的影響 = The Effect of Revenue Diversification on BankPerformance in the Global Banking Industry / 楊博富撰 - [高雄市] : 撰者, 民99[2010]. - 66面 ; 圖，表 ; 30公分.
參考書目：面.
商業銀行Commercial bank

全球銀行業收入多角化對銀行績效的影響 = The Effect of Revenue Diversification on BankPerformance in the Global Banking Industry
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