Analysis of Taiwan Private Banks' Business Performance

• Main Authors: Min-Feng Tsai, 蔡旻夆
• Other Authors: TSAI,HSIU-JUNG
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/2c7rgj

碩士 === 國立高雄科技大學 === 財務管理系 === 107 === This article discusses relatedness of the domestic private banks income structure, the property quality and the financial structure with the business performance, Collection datas from 2003 to 2018 that commercial banks established in 1992 among domestic financial holding companies, also branch more than 100 as a research sample. Utilization OLS model to conduct the empirical research.This research take property return rate (ROA) and net worth return rate (ROE) as the dependent variable, the independent variable divides into (1) handling fee net income to occupy compares (2) interest income to occupy compares (3) bad debt coverage fraction (4) debt ratio (5) the depositing loan ratio (6) Taiwan national savings ratio, Discusses each independent variable and the bank business performance relatedness separately. The main empirical results of this research are as follows: The handling fee net income occupies compared to and the object of Sinopac bank’s ROA and ROE all presents the negative connection.The Esun bank’s interest income occupies compared higher, ROA and ROE can assume the reverse connection.The depositing loan ratio is higher regarding the Taisin bank has the negative connection, Taiwan national savings ratio and the Taisin bank’s ROA and ROE all presents the Positive connection, The bad debt coverage fraction presents the negative connection regarding the Taisin bank, possible compares other same business bad debt coverage fraction to have to draw a higher reason to be supposed, Causing corrosion that should have been profitable.