The Influence of Operational Characteristics and Diversification Between Domestic Banks and Foreign Banks

• Main Authors: Chuan-Chun Chang, 張傳君
• Other Authors: Hui-Chen Chiang
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/69027333260221133921

碩士 === 銘傳大學 === 企業管理學系碩士班 === 100 === Bank is the bridge between individual, government and industry, therefore, bank plays an important role in financial market. After the first foreign bank enterd Taiwan in 1959, and the band of financial regulation was lifted that changed the type of operation, and the competition between banks became more and more keen. This paper applies data envelopment analysis and a Tobit regression model with operational characteristics and diversification to analyze the factors will influence the operational efficiency of domestic bank and foreign bank or not, and the data is taken from banking bureau. In addition, this paper also study the difference of efficiency between foreign banks with international operation experience and domestic banks with longer operational period, and identify the difference of efficiency in different operational Characteristics. We figure out that the efficiency of foreign bank is better than domestic banks, and the efficiency of customer banks is better than corporate banks. We expect that if the business of bank is divided into many parts will make its efficiency better than before, but it doesn’t. Maybe, there are some detail of banking operation that need to be improved. In addition, the operational characteristics will influence the efficiency of bank indeed, but the managerial capacity of fund is still important.