An Analysis on the Operating Performance for the Publicly-Stocked Banks and Private Banks in Taiwan– Evidences from Before and After the Global Financial Tsunami

• Main Authors: Huei-Hong Yen, 顏惠虹
• Other Authors: Jian-Fa Li
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/grcsnz

碩士 === 朝陽科技大學 === 財務金融系 === 102 === With the financial liberalization and the internationalization, the authorities opened the establishment of new banks to enhance the competitiveness in Taiwan’s financial industry. The banks with the major profits from the interest spread face a big challenge. The financial industry is a highly regulative one. There is a potentially bureaucratic culture in the publicly-stocked bank. Contrary to publicly-stocked banks, the private banks are more active to devote in deposit and loan services. It might lead to lower credit quality and higher non-performing loans ratio. After Taiwan took part in the World Trade Organization in 2002, it brought the grave impact for the financial industry. The present study employs a panel data model to exam the difference in the operating performance between the publicly-stocked and the private banks before and after the financial tsunami. The empirical results show that the non-interest income ratio in the private banks is higher than that in the publicly-stocked bank both before and after the financial tsunami. It means that the diversified services of the private banks are very important. The better controlling of operating expenses is an important part for both the private banks and the publicly-stocked banks especially after the financial tsunami. The risk management becomes strict and the credit quality is getting better after the financial tsunami. Therefore, the non-performing loans ratio is reduced in both the publicly-stocked banks and the private banks. The operating performance is improved after the financial tsunami.