臺灣博碩士論文加值系統

本文研究目的即在探討台灣本地銀行國際化程度的高低對其經營績效的影響，並就相關文獻整理與資料蒐集彙整，研究台灣本地銀行赴海外設立營運據點的過程，背景，及探討銀行國際化對經營績效之影響。本文針對2002年到2006年底全體本國銀行分佈在25個國家，204個分支機構的panel data進行實證研究，以多元迴歸模型分析。研究結果發現銀行的國際化程度確實能提升銀行的經營效率，但無法直接正向影響財務績效。銀行經營效率在國際化程度與績效間確實存在中介效果，銀行國際化程度須透過較佳的經營效率才能提升績效。蓋因赴海外投資設置營運據點雖能擴大營運範疇，拓展客源增加收入，也會耗費大量鉅額成本，所以體質良好的銀行，通常其經營效率較佳，進行國際化後才能揚善隱弊，擴大競爭優勢，對銀行績效產生正向影響。

The purposes of this thesis aim to, first, search for the relationships between the internationalization and running productivity of local banks in Taiwan; second, study the process and background of the overseas running branches of Taiwan’s local banks in order to find out the running productivity of internalization through the collection and reorganization of relative papers and data. This thesis exams mainly the 204 overseas branches of local banks settled in 25 countries in 2002 to 2006 and proceeds to study them by regression. It concludes that the banks’ internationalization do promote the running productivity but cannot contribute to their financial productivity directly. That means, the internationalization could gain brilliant productivity through better running effects. Finally, because more overseas branches extend more running areas and costumers, while cost more money, better banks which learn it well can usually get better running effects, overcome the drawbacks and gain advantages after undergoing internationalization which extend their competitivity and finally contribute to banks’ productivity.

第一章 緒論…………………………………………………………1
第一節 研究動機 ………………………………………………1
第二節 研究目的 ………………………………………………6
第三節 研究架構 ………………………………………………8
第四節 研究限制 ………………………………………………10
第二章 文獻探討 …………………………………………………11
第一節 國際化相關理論 ………………………………………11
第二節 經營績效之衡量 ………………………………………15
第三節 國際化與經營績效之關係 ……………………………17
第四節 影響銀行經營績效之因素 ……………………………22
第三章 台灣本地銀行國際化現況分析 …………………………25
第一節 台灣本地銀行國際化之現況 …………………………25
第二節 台灣本地銀行海外分支機構之型態 …………………40
第四章 研究方法 …………………………………………………44
第一節 資料分析方法 …………………………………………44
第二節 實證模型設定與資料來源說明 ………………………46
第三節 實證變數說明 …………………………………………49
第五章 實證結果分析 ……………………………………………52
第一節 VIF(Variance Inflation Factor)相關分析 ………52
第二節 實證結果分析 …………………………………………54
第六章 結論與建議 ………………………………………………59
第一節 結論 ……………………………………………………59
第二節 建議 ……………………………………………………61

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