臺灣博碩士論文加值系統

The decline of small business lending activities in recent years has been speculated as the results of consolidation within the banking industry. However, up to date studies in Taiwan on such speculation has been little convincing. Hence, this study focuses on the investigation of the relationship between the small business lending activities and banking consolidation. Then, the factors of SBL were also investigated as the improvement of bank quality due to banking consolidation. This study shows that the decline in the small business lending activities can be attributed to bank consolidation. In addition, structural changes indeed exist within the determinants of underwriting the small business lending application after bank health has recovered.

ABSTRACT I
TABLE OF CONTENTS II
LIST OF TABLES III
LIST OF FIGURES III
CHAPTER 1: INTRODUCTION 1
1.1 BANKING INDUSTRY TRANSFORMATION IN TAIWAN 1
1.2 RESEARCH MOTIVATION AND OBJECTIVES 2
1.3 ORGANIZATION OF THE DISSERTATION 4
CHAPTER 2: LITERATURE 5
2.1 BANK CONSOLIDATION V.S. BANK LENDING 5
2.1.1 DIVERSIFICATION 5
2.1.2 ENHANCEMENT OF INTERNAL CAPITAL MARKET 7
2.2 BANK CONSOLIDATION V.S. THE SMALL BUSINESS LENDING 8
2.2.1 THE CHARACTERISTICS OF SBL 8
2.2.2 THE EFFECT OF CONSOLIDATION ON SBL: SIZE MATTERS 10
2.2.2.1 Consolidation will decrease SBL 11
2.2.2.2 Consolidation will increase SBL 12
2.2.2.3 There is no relationship between consolidation and SBL 13
2.3 BANK HEALTH V.S. THE SMALL BUSINESS LENDING 13
CHAPTER 3: RESEARCH METHODOLOGY 15
3.1 HYPOTHESIS 15
3.2 METHODOLOGY 16
3.2.1 VARIABLES 16
3.2.2 MODEL 22
3.3 DATA 26
3.3.1 SMALL AND MEDIUM ENTERPRISES 26
3.3.1.1 The definition of SME 26
3.3.1.2 The current situation of SMEs 26
3.3.1.3 The funding source of SMEs 27
3.3.2 BANK CONSOLIDATION CASE 30
3.3.3 DATASET 32
3.4 RESEARCH DESIGN 34
CHAPTER 4: EMPIRICAL RESULTS 37
4.1 STANDARD REGRESSION 37
4.2 CHOW TEST 42
CHAPTER 5: CONCLUSION AND IMPLICATIONS 47
REFERENCES 49

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