A Study of Risk-Based Bank Deposit Reserve System

• Main Authors: Yung-chieh Chen, 陳永捷
• Other Authors: Chau-Jung Kuo
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/83039986275121599628

碩士 === 國立中山大學 === 財務管理學系研究所 === 100 === Our country, the same type of deposit applies the same interest rate. The reserve ratio in the world has gradually been reduced even adjusted to zero. Because of the control policy increases in bank operating costs, and impact the efficiency of resource allocationa. The competent national authorities still see the control policy as the main monetary policy. Domestic banks under this system face a very high control costs. Presently our country is still unable to adopt "zero" reserve, so this study consider existing banking supervision system to develop a "Risk-Based Deposit System" for existing national reserve system.The concept of risk stratification derives from deposit insurance, using the capital adequacy ratio, banks integrated risk rating score and the financial leverage ratio. Each Bank based on their respective level of risk to employ different deposit reserve ratio. "Risk-Based Deposit System" can make the banking sector to spontaneously reduce their own business risk in order to meet the lower deposit reserve ratio of the risk criteria. Therefore, it will help banking sector to reduce regulatory burden, and assist banks in Taiwan to follow Basel III to strengthen its competitiveness and meet the world trend.