臺灣博碩士論文加值系統

　　近年來，在一波一波自由化與國際化的趨勢中，對於銀行產業產生一些衝擊：金融業務自由化，同業間的競爭將更加激烈，經營不善的金融機構可能招致淘汰的命運。為安定金融秩序及保障存款人權益，金融機構皆必須加入存款保險制度，存款保費的支付將會增加銀行的經營成本；其次，金融自由化後銀行廠商的放款量亦增加，相對地放款風險也可能隨之增加。由於放款風險的多寡將直接影響銀行獲利的能力，因此，對於放款風險的控制，將直接影響銀行業務經營在市場上的競爭力；同時，全球金融業在GATT的規範下，各國亦將遵守規定開放本國市場，例如開放外人投資設立金融機構及減少金融的管制等等。因此，國際銀行和地主國銀行進行業務上的競爭，已是不可避免的趨勢。
　　是故，本文之主要動機和目的即是將金融自由化與國際化後日益重要的存款保險、放款風險納入銀行廠商經營之考量；並將國際銀行和地主國銀行的競爭表現在放款市場的業務競爭上。本文藉建立一兩國兩銀行廠商之模型作為分析工具，兩國包括母國與地主國，兩銀行廠商指的是國際銀行分行和地主國商業銀行，探討地主國證券市場利率、存款保費和放款風險的變動對國際銀行分行和地主國銀行放款利率的影響。
　　本文獲得主要結論為：地主國證券市場利率變動對地主國銀行的放款利率為正向影響，因為國際銀行分行受地主國法令的限制不得從事證券業務，故其放款利率不受影響；存款保費的變動對國際銀行分行及地主國銀行放款利率不具影響力，比較靜態結果為零；放款風險的變動對國際銀行分行及地主國銀行放款利率皆為反向關係。

　　Recent trends toward deregulation and internationalization in waves have some impacts on banking industry. Deregulation in financial business increases competition within banking firms and those inefficient financial institutions will loss their market shares or to be broken. For stabilizing financial order and protecting saves'' rights, it''s necessary for financial institutions to follow deposit insurance system Payments for deposit insurance premium become important costs. In addition, the loan risks have an direct impact on profit probability of banks, thus the control of loan risks will affect banking competition in business operating. At the same time, financial industries in the world will also follow opening domestic markets under the regulations of GATT. The competition between international bankings and banks of host country has become unquestionable.
　　The main motives and purposes of this paper focus on deposit insurance and loan risk of banking firms under financial deregulation and internationalization. Show the competition between international banking and host banking on loan market. The model includes two countries and two banking firms. Two countries refer to home country and host country, while two firms include a international banking branch and a commercial bank of host county. This paper presents a theoretical model analyzing the relationship between including the charge of security rate, deposit insurance premium and loan risk and the charge of loan rates of these two banking firms.
　　The primary conclusions are stated as follows: There exists the positive relationship between the charge of security rate and the charge of loan rate of the bank of host country. But, the security rate is independent of the loan rate of a international banking branch. The charge of deposit insurance premium has no impact on the charge of loan rates of these two banking firms. Furthermore, there exists the negative relationship between loan risk and the charge of loan rates of these two banking firms.