未来与发展
未來與髮展
미래여발전
FUTURE AND DEVELOPMENT
2015年
1期
81-87,60
,共8页
金融自由化%多角化%非利息收入
金融自由化%多角化%非利息收入
금융자유화%다각화%비이식수입
financial liberalization%diversification%non-interest income
本文以台海两岸上市商业银行为研究对象，根据不同股东结构研究在金融自由化过程中两岸商业银行多角化经营之影响因素。实证结果显示：中国大陆商业银行非利息收入比率显著低于台湾省商业银行；影响中国大陆商业银行非利息收入比率之主要因素是资产规模且成显著正相关关系；台湾省因金融自由化程度较深并出现银行过度竞争现象，故净息差成为决定商业银行非利息收入最重要之因素并成显著负相关关系。
本文以檯海兩岸上市商業銀行為研究對象，根據不同股東結構研究在金融自由化過程中兩岸商業銀行多角化經營之影響因素。實證結果顯示：中國大陸商業銀行非利息收入比率顯著低于檯灣省商業銀行；影響中國大陸商業銀行非利息收入比率之主要因素是資產規模且成顯著正相關關繫；檯灣省因金融自由化程度較深併齣現銀行過度競爭現象，故淨息差成為決定商業銀行非利息收入最重要之因素併成顯著負相關關繫。
본문이태해량안상시상업은행위연구대상，근거불동고동결구연구재금융자유화과정중량안상업은행다각화경영지영향인소。실증결과현시：중국대륙상업은행비이식수입비솔현저저우태만성상업은행；영향중국대륙상업은행비이식수입비솔지주요인소시자산규모차성현저정상관관계；태만성인금융자유화정도교심병출현은행과도경쟁현상，고정식차성위결정상업은행비이식수입최중요지인소병성현저부상관관계。
Using cross-strait listed commercial banks as research targets, categorizing based on different ownership structure, this article studied cross-strait commercial bank diversification strategy ’s factors during the financial liberalization process. Empirical study has shown Mainland Chinese bank ’s non-interest income percentage is significantly lower than Taiwanese bank. Main factor affecting Mainland Chinese bank’s non-interest income percentage is asset size, which has shown significantly positive relationship. Taiwan has started off the financial liberalization process much earlier and has experienced“overbanking” phenomenon; as a result, net-interest-margin has become the deciding factor for non-interest income of commercial bank, which has shown significantly negative relationship.
