近年來政府積極推動國內金融業佈局國際市場，更放寬許多投資限制以提升海外發展的競爭力，主管機關更以「亞洲盃」來形容這項政策，回顧過去文獻，大多指出規模較大、獲利較高的銀行，在國際化發展的著墨較多，但較少討論在擴張海外分支機構後，能否有效提升母公司整體經營績效，因此，本文採用2008年第一季至2015年第二季國內二十二家銀行的海外分行經營成效與母公司合併財報資訊，建構一組Balanced panel data，並將國際化變數透過主成份分析法萃取為一總指標，搭配CAMELS評比指標以一般動差法來逐一作迴歸分析，探討台灣銀行業國際化發展與整體經營績效之關係。 研究結果發現，國際化發展並非能完全提升銀行的經營績效，在資本適足性及流動性評比上，因為法令限制的關係，縱使國際化發展會導致數據下降，但仍可維持在一定的水平，顯見銀行在資金的運用上非常靈活，而在資產品質、管理能力及最重要的獲利能力評比上，國際化發展並未能產生正面影響，整體效益有待提升；反觀從銀行的規模角度來看，各項評比大多呈現正面的助益，若要成功打贏亞洲盃，發展區域型金融機構，擴大資產規模或組成策略聯盟或許是一條可行的途徑。 ;The government has promoted proactively the internationalization of domestic financial industry recently, even relaxing lots of investment restrictions to improve the offshore competitiveness of Taiwan banking industry. In particular, the Financial Supervisory Commission (FSC) called this policy as “Asian Cup” tournament. This thesis constructs a set of balanced panel data by integrating quarterly bilateral financial statement of offshore branches and parent companies in 22 domestic banks from Quarter 1, 2008 to quarter 2, 2015 and incorporates the degree of internationalization that is based on the Principal Components Analysis, as well as CAMELS evaluation index. We use the generalized method of moment (GMM) method to estimate the model. The research focus is the influence on the overall effectiveness of management in internationalization of Taiwan’s banking industry. The results show that internationalization does not improve the management effectiveness of parent banks. In contrast, the size of the bank positively relate to the bank′s performance. It implies that if Taiwanese banks want to win in the “Asian Cup” tournament, regional financial institution, assets-expanding, and the adoption of strategic alliance could be helpful.
