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研究生:謝基佑
研究生(外文):Hsieh, Chi-Yu
論文名稱:金融危機與銀行放款操作
論文名稱(外文):Financial Crisis and Bank Loan Operation
指導教授:陳俊源陳俊源引用關係
指導教授(外文):Chen,Chunyuan
口試委員:陳俊源、黃蘭鍈、鄭正豐
口試委員(外文):Chen,Chun-yuan、Huang, Lan-Ying 、Cheng, Cheng-Feng 
口試日期:2017-06-13
學位類別:碩士
校院名稱:國立彰化師範大學
系所名稱:企業管理學系行銷與流通管理碩士班
學門:商業及管理學門
學類:行銷與流通學類
論文種類:學術論文
論文出版年:2017
畢業學年度:105
語文別:中文
論文頁數:46
中文關鍵詞:金融危機、金融產業廠商、資本規模、銀行放款、消費者貸款
外文關鍵詞:financial crisis、financial institution、capital scale、bank loan、consumer loans
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2008年金融危機不僅對全球金融市場造成相當大的衝擊,而且對整個全球經濟造成巨大的影響。本研究探討2008年金融危機對台灣金融產業放款績效之影響。本研究使用台灣經濟新報資料庫(TEJ)2005年1月至2012年4月期間,不同資本規模之台灣本地金融產業廠商資料,以相關性分析(Correlation analysis)與變異數分析(ANOVA)統計方法,探討2008年金融危機前後金融產業廠商不同型態放款之相關性,暨2008年金融危機對台灣金融產業不同資本規模廠商不同型態放款績效之影響。
結果顯示,個別金融產業廠商實質放款間之相關性呈現「無到高相關」之相關型態,而銀行資本規模和不同放款型態對實質放款具有顯著影響,且銀行規模、不同放款型態和金融危機三者間交互顯著影響銀行放款績效。

關鍵字:金融危機、金融產業廠商、資本規模、銀行放款、消費者貸款
The 2008 financial crisis caused significant impacts on global financial markets, and led to enormous shocks to individual financial institutions. The study examined the effects of the 2008 financial crisis on the performance of loan operations undertaken by the Taiwanese financial industry. Using the data of loans of different types provided by Taiwanese native banks of different capital scales from January, 2005 to April, 2012, retrieved from the data base of TEJ, the study employed the methods of correlation analysis and ANOVA to examine the before-crisis and after-crisis inter-bank correlations between the loan performance of Taiwanese native banks of different capital scales and the effects of the 2008 financial crisis on the performance of loan operations undertaken by these banks.
In the study, the time-indexed real loan sequences of the banks of the study were found to follow a stable null-to-high correlation pattern in both before-crisis period and after-crisis period. As the significant interactive effects showed, the factor of the financial crisis interacted significantly with the factors of bank scale and loan type to affect the banks' loan performance in the before-crisis period and the after-crisis period.

Keywords: financial crisis, financial institution, capital scale, bank loan, consumer loan
目錄 I
圖目錄 II
表目錄 III
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 6
第二章 文獻探討 7
第一節 金融危機 7
第二節 銀行資本 13
第三節、消費者貸款 16
第三章 研究方法 24
第一節 研究對象 24
第二節 研究架構 27
第三節 研究因子 28
第四節 資料蒐集與分析方法 29
第四章 研究結果 30
第一節 金融危機前後台灣金融產業廠商不同型態放款營收績效相關性分析 30
第二節 金融產業廠商營收績效變異數分析 32
第三節 假設檢定彙整 33
第五章 討論 35
第六章 結論 37
第一節 研究結論 37
第二節 研究貢獻及研究限制 38
參考文獻 39
一、中文部分 39
二、英文部分 39
三、網路資源 46
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