| Summary: | 碩士 === 朝陽科技大學 === 財務金融系碩士班 === 96 === The main purpose of every business is to make profit. It is vital to avoid risk before achieving profits. This research attempts to focus on banking industry to explore factors of return on capital. Since the banking industry is an important financial institution, and its management status influences directly on every business, it has been playing a key role in the development of domestic economy. All risks that influence bank’s return on capital include interest, foreign exchange, liquidity, credit, market, OBS, technology, sovereign, capital fitness, and so on. Among them, the major effort is to study returns on real estate, interest, market, and their effect, through out statistical regression. These three risk factors are chosen by their importance on Taiwan real estate market which banking industry is pivotal in financing to develop new real estate products. Also, interest rates are the basis of saving and loan to the public. And, market situation affects inevitably borrow and loan. This study evaluates the influence and relationship between bank’s return on stock price and returns on real estate, interest rates and returns on market.
By putting these three variables into multi-regression model to analyze, results show that interest rate is negative to bank’s return on stock price. Results also show that returns on real estate and interest rates are both positive with little patency to bank’s return on stock price.
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