臺灣博碩士論文加值系統

有鑑於「經濟成長」逐漸受到關注，資訊不對稱、銀行市場解構與經濟成長有著密不可分之關係，且「監督成本」與「金融發展」有所關聯。本文結合Waller、Lewarne (1994)和 Bencivenga、Smith(1993)之模型設定，分析在訊息不對稱與不同銀行結構下，對於經濟成長的影響。本文解釋當監督成本比較低的時候，競爭銀行體系對經濟成長是比較有利的。相反的，當監督成本比較高的時候，獨占銀行體系對經濟成長是比較有利的。

Due to that much attention has been paid to economic growth，and the relationship between monitoring cost and finance during the process of economic growth，this paper combines the frameworks of Waller and Lewarne (1994) and Bencivenga and Smith (1993) to analyze the process of asymmetric information and different banking structure，and the relativity of them in economic growth﹒This paper examines the role of banking market competition in the process of economic growth﹒It is show that lending relationship which seems to characterize competition banking markets can have be beneficial for economic growth as monitoring cost is lower﹒In contrast，monopoly power in banking can be beneficial for economic growth as monitoring cost is higher﹒

第一章 序論....................................... 1
第一節 前言.................................... 1
第二節 研究動機與目的............................ 4
第二章 文獻回顧................................... 6
第三章 基本模型...................................14
第一節 經濟環境.................................14
第二節 均衡契約.................................18
第三節 獨占銀行體系.............................19
第四節 完全競爭銀行體系..........................24
第五節 資本累積與經濟成長........................28
第六節 數值模擬.................................29
第四章 比較靜態分析...............................32
第五章 結論.......................................37
圖目錄
圖一.完全競爭銀行下當 ， 變動下對經濟成長影響................ 32
圖二.完全競爭銀行下當 ， 變動下對經濟成長影響................ 33
圖三.獨占銀行下當 ， 變動下對經濟成長影響..................... 34
圖四.獨占銀行下當 ， 變動下對經濟成長影響..................... 34
圖五.完全競爭與獨占銀行在 ， 變動下對經濟成長影響............ 35
圖六.完全競爭與獨占銀行在 ， 變動下對經濟成長影響............ 36

一、中文部份
洪福聲、李建強，2002，「訊息不對稱、借款保證政策與經濟成長」，
經濟論文，頁311-340。
莊希豐，1999，「金融發展與經濟成長之台灣實證研究」，台灣銀行季
刊，頁64-85。

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