The difference of prudential behavior of Taiwan banks

• Main Authors: 1989, 丘敦毅
• Other Authors: Ming-Chang Cheng
• Format: Others
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/10605847855337258589

碩士 === 國立中正大學 === 企業管理研究所 === 101 === This study examines the relationship between ownership and the prudential behavior of Taiwan banks. I analyze a sample of public banks, private banks, privatization of banks, and financial holdings in different financial periods. I regard Jia (2009) measure to use three ratios of banks as proxies for bank prudence: bank excess reserves ratio, loan/asset ratio, and deposit/loan. The results reveal privatization leads banks to be more and more prudent. Furthermore, I find that private banks are more prudential than public banks. And the second reform of the banking system has improved the financial holdings to become more prudential. In addition, my study results are in line with the literature of Jia (2009). This supports the views that the Taiwan banking sector have some similar with China. Key words: ownership, prudential behavior, Taiwan banking sector.