The Study of the Bank Operational Risk Change and the Corporate Goverance.

• Main Authors: Chih-Hsing Hung, 洪志興
• Other Authors: Su,Yu-Hui
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/97817121746692739083

碩士 === 東吳大學 === 會計學系 === 99 === In the competition environment, the service competition is the most effective way to prevent the commodity or the service provider to monopolize benefit, raises the resources utilization efficiency, and increases the consumer benefit. The bank management pattern is “on borrowings” with undertaking excessively operational risk characteristic, and is the capital and the currency agency with public benefit characteristic. Therefore, a company govern which is good or bad is high importance for bank perfect management. The domestic banking industry and the management team face financial environment of nowadays. The competition raises, the spread reduces, the nova finance commodity promotes the innovation unceasingly and the rapid growth of property debt table trade, result the risk of the bank is expansion. This research is based on 35 domestic banks, to probe that if the domestic banks in order to reach the short-term management achievements, many formerly boundary customers will change to be the bank honored guests, drew back superiorly the staffs who are high cost and have experience to reduce the cost, enhanced the high profit derivative financial commodity to increase the profit. This research diagnosis results are as follows: 1. The increasing of alternative finance service for banking industry, urges the market risk to increase. But, the bank management team still only takes the credit risk, and continually neglects the market risk and the operating risk. 2. The bank is “on borrowings” profession, after experiencing the financial turmoil of Asia, the American loan crisis and PEM cause the bank heavy losses. Fund raising gradually changes to increase own capital for local bank. 3. The result discovered that the staff average period of service which below 12 years is 23 banks, 65.71% of total 35 banks for this research, therefore, the staff with suitable qualifications, experience and higher centripetal force may prevent to increase over to put the ratio effectively. It has the positive effect. 4. The domestic banks management team will avoid over putting the amount rise by extending debt, and achieve the deferral or hide over to put the ratio by increasing the interest receivable growth rate and loans the discount growth rate.