| Summary: | 碩士 === 國立中山大學 === 企業管理學系研究所 === 104 === With the rapid economic development, financial industry of Taiwan is becoming mature and sound system. After the liberalization of interest rates in 1989, this time was no new banks opened, and Central Bank still could influence the market interest rates. After approved the establishment of 16 new banks in 1991, it opened the era of banks excess (overbanking). Shen Zhonghua (2014) proposed that two major problems current banking industry facing in Taiwan. One is a small interest rate spread of bank and the other is too low profits of banks. Also because the excessive number of banks resulted in high similarity of business, and the high degree of homogeneity. This thesis hopes through 40 domestic banks which are seemingly high homogeneity banking of Taiwan, finds similarities and dissimilarities among them, and compare them.
In this paper, the samples of study are 40 domestic banks which were Central Bank announced in the 2014. The periods of study are from 91 years to 103 years and from 95 years to 103 years. Use Return on Net Assets(RONA) as the indicators of this thesis to evaluate performance of banks. By deciles of components, select the banks which are relatively good performance. Then calculate the slope and the average value of each bank, and use Cluster Analysis to initially classify. Hope that use dismantling Return on Net Assets (RONA) to explore the items that the banks focus and find the similarities. Finally, the thesis will select 14 banks which have been the relatively good performance, and observe the change of them in the period of 95 to 103 years.
The following conclusions, net non-interest ratio is greater than equal to the ratio of net interest income, the bank performance is relatively good, such as Citigroup (Taiwan) Commercial Bank, China Trust Commercial Bank, Taipei Fubon Commercial Bank, Shanghai Commercial Bank. Net non-interest ratio is greater than 0.05, return on net assets (RONA) easily and change with the change in non-interest net income. For example: Citigroup (Taiwan) and Commercial Bank, China Trust Commercial Bank, Cathay United Commercial Bank，and so on. Although seemingly homogeneous bank, in the past 10 years, there is some change to public sector banks to focus on net interest income; foreign banks are more important than non-interest net income; the general tendency of private banks to reduce the interest of business and strengthen the non-interest business, which In Shanghai Banking relatively different, almost two and gradually increase the proportion of net interest income, is growing steadily.
|
|---|
