臺灣博碩士論文加值系統

本研究考量國家特定因素、銀行本身因素、市場相關因素及資訊成本因素，從Probit模式來暸解銀行決定設立海外分支機構之決定因素，並進一步使用最小平方法調查影響本國銀行業海外分支機構設立數目及分支機構活動之相關因素。研究樣本為民國87年底至民國95年底在海外設立分支機構之台灣本國銀行業，其涉及之國家數目有30家。
實證結果顯示：從國家特定因素方面可考慮至鄰近的國家，以降低資訊成本；或至經濟規模大的國家進行海外擴張，也可考慮跟隨客戶至海外設立據點，以維特良好的客戶關係；當銀行本身的規模越大時，可考量至海外進行擴張，也可至較熟悉的經營環境設立營業據點以獲取更多的獲利。銀行規模越大或績效表現越佳時，銀行會選擇至海外設立分支機構且家數亦會越多。
在市場相關因素方面，銀行業經濟自由指數越高及政府穩定程度越佳，亦會吸引本國銀行至當地設立分支據點且家數會越多。語言障礙降低，則有助於本國銀行至海外之擴張決策。
在分支機構活動方面，當國人至地主國直接投資金額越高、地主國經濟規模越大、市場規模越大、銀行業經濟自由指數及政府穩定程度越高及兩國距離越近時，對於銀行海外分支機構之擴張活動均有正向影響；在非擴張活動部分，當地主國經濟規模及市場規模越小時，表示市場的潛在機會就越少，會促使本國銀行進行非擴張活動之決策。

This research use the Probit model and considered host country specific factors、bank specific factors as well as market related factors and information cost factors to understand the decision factors of oversea institution in banks. Furthermore, this research used OLS to investigate what the factors effect the number of local banks going to foreign countries to construct oversea institutions and oversea activities. The 30 Taiwan local banks established the oversea institutions between the years from 1998 to 2006 as a whole were considered to be the samples. Firstly, at the host countries’ specific factors, local banks could consider to construct oversea institutions at nearby countries in case of decreasing information costs. Considering maintaining good relationship with banks’ customers, local banks could follow their customers to establish oversea institutions. It is also possible to establish oversea institutions whenever local banks are familiar with the oversea environment. Also, the higher the banks scale and performance, the higher chance for banks to establish numbers of oversea institutions. In market related aspects, if the index of economic freedom for banking and government stability are higher, the possibility for local banks to establish oversea institutions will also increase. Moreover, local banks will be benefited from decreasing language restrictions to extend oversea activities. At the aspect of institutions activity factors, there are positive effects if the investments from the compatriots, and host countries economic and markets scales as well as the index of economic freedom for banking and government stability are higher. On the other hand, there are positive affect for banks non-extended activities if the host countries economic and market scales are smaller which also means that the market potential chances are lower.

目 次
摘要----------------------------------------i
Abstract-----------------------------------ii
致謝---------------------------------------iii
目次----------------------------------------iv
表目錄---------------------------------------vi
圖目錄---------------------------------------vii
第一章 緖論-------------------------------------1
1.1研究背景、動機與目的--------------------------1
1.2研究架構與流程-------------------------------5
第二章 文獻探討---------------------------------7
2.1決定銀行海外擴張之文獻------------------------7
2.2 影響銀行分行活動之文獻----------------------10
第三章 本國銀行業海外分支機構之概況分析------------13
3.1 海外分支機構之經營型態----------------------13
3.2 海外分支機構地理區位分析--------------------17
3.3 海外分支機構活動分析------------------------26
第四章 研究方法----------------------------------31
4.1 影響銀行決定至海外設立分支機構之因素----33
4.1.1自變數部份------------------------34
4.2 影響銀行海外分支機構設立數目之因素------38
4.3 影響銀行海外分支機構活動變遷之因素------39
第五章 實證結果與分析------------------------------41
5.1 樣本資料描述-------------------------41
5.1.1 敘述性統計---------------------41
5.1.2 樣本相關分析及共線性檢定---------43
5.2 影響銀行至海外進行擴張之決定因素--------46
5.3 影響銀行海外分支機構設立家數之決定因素---49
5.4 影響海外分支機構活動之因素--------------52
第六章 結論---------------------------------------56
參考文獻------------------------------------------60
附錄----------------------------------------------63
附錄A：銀行合併----------------------------------63
附錄B：銀行業自由經濟指數之衡量--------------------64
附錄C：政府治理能力指標之定義----------------------66
附錄D：本國銀行設立國外分支機構應注意事項------------67

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