The association between ownership, performance and risk in Chinese Banking

• Main Authors: Hsu, Nien-Yi, 許念伊
• Other Authors: Lee, Chia-ling
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/x6m86c

碩士 === 國立政治大學 === 會計學系 === 107 === The foreign-owned banks entered China earlier while the improvement from non-interest income is still not clear whether beneficial to profit and reducing the risk when comparing with state-owned banks. By analyzing the data from 2009-2017, this article revealed the truths the difference of ownership do influence the performances, risks and diverse outcomes from different institutional investors to non-interest income which leads foreign-owned banks behaves superior in capital ratio and less asset risk than Chinese government-owned banks though the ROAs and ROEs are worse than latter. The influence of non-interest income of bank development is decided by many factors, including the degree of national development, the type of bank and the size of bank. The development of non-interest income business will increase the variety of services and enhance the remuneration, but it may also deepen the trade-off between the risk and the return. By exploring unique background of Chinese banking market, this article may provide a guide for foreign banks wishing to enter Chinese markets and researchers interested in Chinese banking industry.