| 摘要: | 本國銀行業在競爭壓力下，紛紛往海外發展，隨著兩岸金融業的開放，到對岸成立分行儼然成為海外設立據點的新方向，到底我國銀行業一窩蜂赴海外布局對銀行是否有利可圖。
本研究將本國31家銀行區分為在海外設立分行、及未在海外設立分行，再從在海外設立分行中區分在大陸設立分行、及未在大陸設立分行，藉由各項財務比率及虛擬變數來檢定在海外設立分行、在大陸設立分行對本國銀行績效的影響，另外又以長期追蹤資料(PANEL DATA)的分析方法，探討影響銀行經營績效之因素。
實證結果分析：(一)在海外設立分行對淨值報酬率有正向的顯著影響及；在大陸設立分行則對資產報酬率及淨值報酬率皆有正向的顯著影響。(二)從PANEL DATA 模型中可以發現存放款差距率在大陸設立分行及在海外設立分行，對於資產報酬率與淨值報酬率互有正向或反向顯著影響；放款成長率與逾期比率在未在海外設立分行，對於資產報酬率與淨值報酬率有正向或反向的影響。
;Under competition pressure, local banks have been expand their businiess, establishing branches, abroad one after another. This has become the new strategy to have branches in mainland China by finacial makets between Taiwn and China . However, could this really be profitable for local banks to expand the business oversea?
In this study, divide the total 31 local banks into two groups, one is having branches abroad, and the other one is not having branches abroad.
Furthermore, from the group of aving branches abroad, divid it into another two groups, and that will be one is have branches in mainland China, and the other one is not having branches in mainland China. According the financial ratios and dummy variables, exam the performance and effects on local banking industry with their branches established abroad or in mainland China. Additionally, apply the method of analysis of Panel DATA to track and study the data in order to explor the factors which afftect the performance of banking business in long term.
Anlyze the experimental results: to establish a branch abroad have a positive and significant impact on the ROE (Return on Equity), however another factor indicated to establish a branch in mainland China, the ROA (Return on Assets) & ROE (Return on Equity) are both having positive significant affected. From the PANEL DATA model can find out the earning spread ratio with establishing a branch abroad and in mainland, the ROA and ROE have either positive or negative significant impact. Regarding the growth of the loan ration and non-performing loan’s ration, without establishing a branch abroad, the ROA and ROE also have both positive or negative effect. |
