| Summary: | 碩士 === 國立中正大學 === 財務金融系研究所 === 105 === Banks as the blood of the national economy, so that all economic behavior can flow, but the banking industry is much more profitable than the quality of the audit of the loan, resulting in the last century, the overall banking industry over the high rate, and into the 21st century , The financial industry began to carry out a series of reforms, in addition to the ratio of more than half of the ratio to change the general ratio, but also to the banking industry through the establishment of gold control to engage in diversified investment business, the impact of bank lending factors, It is not only related to the spread of the spread or the amount of commitment, may also be related to the overall economy or bank deposits, such as check deposits have a correlation, so the study taken from 2004 to 2016 a total of 13 years in Taiwan, the overall bank , The overall score of the domestic economy strategy, the Taiwan pain index, the overall bank lending balance growth rate in Taiwan, the overall bank deposit interest spread in Taiwan, the total bank check deposit in Taiwan and the monthly growth rate of monthly data for the study, To explore the relationship between the general bank and the above six variables.
The empirical results show that there is a significant positive correlation between the comprehensive score of the domestic economic strategy, the growth rate of the loan balance and the interest rate of the deposit and the generalized ratio. The growth rate of the check deposit is significantly negatively correlated. The growth rate of the pain index and the check deposit balance There is no significant correlation, but the growth rate of the balance of the first tranche is lower than that of the generalized ratio after the regression of the independent variables and the generalized regression analysis. The check deposit is the amount of the deposit. Often need to advance in advance, resulting in changes in the balance of the balance of checks on the generalization of the relevance of its deferred, its influence to be a period after the fermentation, the other is different from the same period and backward one back to the model, And the regression results of the first-order difference independent variables, the variability of the respective variables are not significantly related to the number of variables.
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