| Summary: | 碩士 === 淡江大學 === 國際貿易學系國際企業學碩士班 === 98 === This research is based on the time during 2000 to 2007. Attempt to introduce the opinion of Hirtle and Stiroh(2007) research model of return to retail banking. We applied the definition of retail variable of Clark et al.(2007), and use the classification of bank sort of Hirtle(2007)to set up main kind of analyzing models. We took 10 commercial banks in China as object of study and then conferred on if china bank industry had return to retail banking. Under the trend of returning to retail banking, we studied which bank sort will have more beneficial.
According to the object, period and model of this research, we find that China’s commercial bank had return to retail banking. Under the trend of returning to retail banking, large bank are superior in reaping profits among commercial banks in China. As the classification of profitability, there is no differentiation between it.
As the result of regression, we suggest that China’s large commercial bank should merger and acquisition there local small bank to expand the bank size, become the global largest bang, level up the globalization degree.
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