| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 97 === The purpose of this study is to investigate the relationship between risk taking of banks and product diversification in the changing income structure of the Taiwan banking industry. Our study uses the data of 47 domestic banks from 2000 to 2007 to analyze the proportion of non-interest income, the scales of assets, and impact of the other variables on the operating risk and insolvency risk . And the empirical results are as follows：
In terms of the overall domestic banks, the higher non-traditional activities the bank invest, the more volatility in their incomes. The private banks of non-financial holding companies own the highest operating risk in investing non-traditional banking activities. At the meantime, we also observe the effect of diversified operating risk, when the types of bank belong to the publicly-owned and the financial holding companies.
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