臺灣博碩士論文加值系統

隨著世界各個先進國家陸續解除「銀行禁止跨業經營」的法令，銀行在經濟體系中扮演的角色從單純的「金融仲介機構」轉變為「金融百貨公司」，銀行間的競爭也從單調的利率競爭，擴展到銀行的通路數量、通路設立地點、金融服務品質與金融創新等各個戰場。其中，銀行的通路對於其他決策更是有舉足輕重的影響，這是因為銀行間的競爭已經越趨激烈了，為了在有限的空間上爭取更多消費者的青睞，通路的品質及數量決策儼然成為銀行最重視的議題。然而，過去的文獻大多數只將研究重心放在利率決策，儘管近年來有相關文獻開始探討銀行的金融服務品質決策，但幾乎沒有討論銀行通路數量這方面的文獻。
本論文擬建構一理論模型，利用空間競爭模型的相關概念，研究探討銀行之分行通路競爭，以及通路數量對銀行的金融服務品質及存款利率決策的影響，並企圖求解銀行通路數量的最適均衡決策，另就結果也提供對應之實證意涵。
主要之理論分析結果如下：本論文發現由於通路數量的提升在固定的空間上可以爭取到較多的消費者，對其預期利潤有正面的助益；但是通路數量提升下造成的「局部過度競爭」，會產生降低預期利潤的負面效果，因此，通路數量並非越多越好；另外，銀行的存款利率決策及金融服務品質決策也在通路數量上述的雙重影響下，有其最適的均衡決策。

關鍵字：銀行角色、通路競爭、服務品質、空間競爭、局部過度競爭

After many developed countries release the ban of cross-selling in bank industries, the functions of banks in the economy changes from financial intermediations to financial department stores. The modern banks compete not only in the interest rates, but also in the branches and financial innovations. Therefore, the quality and the numbers of branches become as important considerations to attract the consumers, especially in some competitive markets. However, most of the literature focused on the interest rate decision. Although some studies have discussed the quality of service of banks, but there are very limited studies which have emphasized on the decisions of branches of banks.
This thesis attempts to establish a theoretical model to analyze the competition of branches of banks and the influences of the number of branches to the quality of service of branches and interest decisions as well. In particular, the theory provided in this study provide the optimal decisions for the number of branches. Morevoer, potential empirical implications are also discussed.
The main conclusions from the theoretical analysis are as follows. It finds that because the increasing of branches can attract more consumers, an increase in the number of branches shall increase the expected revenues, but also leads to partial over-competition, causing a negative effect on attract consumers. Therefore, there exists an optimal finite number of branches. In addition, the equilibrium deposit interest rates and financial service qualities are also affected by the number of branches.

摘要
第一章 緒論....................................1
第二章 文獻回顧.................................5
第三章 基本模型設定.............................10
第一節 大銀行通路競爭之模型設定................10
第二節 小銀行通路競爭之模型設定................16
第三節 大銀行利率競爭之模型設定................22
第四節 小銀行利率競爭之模型設定................25
第四章 銀行之服務品質及通路競爭均衡分析...........30
第一節 大型銀行之服務品質及通路競爭.............30
第二節 大銀行與地區性小型銀行之服務品質及通路競爭.50
第五章 銀行之利率競爭均衡分析.....................55
第一節 大銀行間之利率競爭均衡...................55
第二節 大銀行與地區性小型銀行之利率競爭均衡.......59
第六章 結論與研究限制............................66
參考文獻..........................................68

參考文獻
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