臺灣博碩士論文加值系統

本研究參照Black and Strahan（2002）與Cetorelli and Strahan（2006），採用固定效果（Fixed-effects）之實證模型，藉以探討本國銀行業的解除管制及其它金融制度改變對產業結構的影響。本研究分別利用國內產業別及行政地區縣市別之資料，用以檢視金融制度改變對整體產業及行政地區縣市別產業之影響差異。研究結果發現，當銀行業解除管制後，企業總數明顯增加，其中，大型規模相較於中小型規模之企業總數，在銀行業解除管制後增加更為顯著，另外，新創立企業之家數及資本額亦有明顯增加。在銀行業競爭愈激烈下，整體企業數明顯增加，各縣市之商業登記家數及資本額亦增加，然而對新創立企業總數及總資本額卻相對減少。實證結果亦顯示，台灣地區之製造業和批發零售及住宿餐旅業之經濟活動相對於運輸、倉儲及通信業較為熱絡。而在考量台灣地區各區域之差異下，北部、中部和南部地區相對於東部地區之商業登記家數愈多且商業活動較為繁忙，其中，台北縣、桃園縣、台中縣、彰化縣、台南縣、高雄縣、台北市和高雄市之商業登記家數相對地較多。

Following Black and Strahan (2002) and Cetorelli and Strahan (2006), this study constructs a fixed-effects model to study the impacts of banking deregulation and institutional change on the scales of main industries in Taiwan. The study use dis-aggregated data to examine the differences of the deregulation effects of banking sector across regions and industries respectively. The results show that controlling the heterogeneity of individual industries the number of companies obviously rises after the banking sector is deregulated. The number of large companies increases more than that of small-median companies. And, the number of newly established companies increases more than that of mature companies. The result also shows that the more competition in the banking industry is, the more companies of commerce type and the more their assets are. However, the number of newly established companies and their assets are relatively less.
The empirical result show that economic activities of Manufacturing, Trade & Wholesaling, and Leisure & Entertainment Industry frequently more than those of Transportation, Storage & Communication in Taiwan. Regarding to the difference between regions, there are the more companies of commerce type in northern area, central area and southern area compared with eastern area. Particularly, there are much more companies of commerce type registered in Taipei County, Taoyuan County, Taichung County, Changhua County, Tainan County, Kaohsiung County, Taipei City, and Kaohsiung City compared with the rest of counties and cities in Taiwan.

目錄
第一章 緒論...................................................................1
第一節 研究動機...........................................................1
第二節 研究目的與研究架構.................................................4
第二章 文獻探討...............................................................8
第一節 銀行產業解除管制...................................................8
第二節 銀行業市場集中度..................................................10
第三章 研究設計..............................................................17
第一節 研究方法與模型....................................................17
第二節 實證資料之選取....................................................26
第四章 實證結果分析..........................................................31
第一節 全國產業別之實證結果..............................................31
第二節 行政地區（縣市）別之實證結果…....................................37
第五章 結論..................................................................51
參考文獻.....................................................................53
表目錄
表1.本國一般銀行、中小企業銀行、外國銀行在台分支機構及分支機構家數與本國銀行員工總人數......................................................................5
表2.相關文獻整理.............................................................13
表3.銀行業競爭對個別產業企業家數及不同企業規模之影響.........................44
表4.銀行業競爭對新創立企業及個別產業國內生產毛額之影響.......................45
表5.銀行業競爭對台灣地區縣市別商業活動之影響.................................46
表6.銀行業競爭對台灣地區各縣市商業活動之影響.................................47
表7.銀行業競爭對台灣地區縣市別工廠家數之影響.................................49
圖目錄
圖1.本國銀行分支機構平均服務之人口............................................6
圖2.本國銀行業市場集中度......................................................7

ㄧ、 中文部份
李紀珠與唐正儀（2002），「開放民營銀行設立之經驗與啟示-台灣案例-民營銀行面對的競爭」，國政研究報告，財金（研）091-065號，財團法人國家政策研究基金會。
邱永和與陳玉涓（2004），「銀行效率與獨占力之評估」，亞太經濟管理評論，第8卷第1期，49-65。
唐正儀與邱靜玉（2002），「金融改革與銀行業發展」，國家政策論壇，第2卷第6期，財團法人國家政策研究基金會。
許振明 (2001)，「由金融自由化與國際化的過程談金融監理」，國政研究報告，財金（研）090-039號，財團法人國家政策研究基金會。
許振明與唐正儀（2002），「公營銀行民營化問題」，國政研究報告，財金（研）091-066號，財團法人國家政策研究基金會。
陳家彬與賴怡洵（2003），「銀行來往關係和授信行為之研究」，經濟論文，第3卷第31期， 497-539。
陳寶瑞、曾文清與郭秋榮（2001），「金融機構合併之探討」，臺灣經濟金融月刊，第37卷第8期，79-99。

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