A Study of Banking Industry in Taiwan –Performance Analysis and Development in Mainland China
| Autor: | Shu-Min Yu, 游素敏 |
|---|---|
| Rok vydání: | 2007 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 95 The operating performances of the local banks are an issue highly concerned by the government authorities, the bank operators, depositors and the investors. The greatest difficulties that the local banking industry in Taiwan is facing are the random market price and the declining profits caused by the malicious competition among the homogeneous banks. Besides, after Taiwan was admitted into WTO, the financial environment has been forced to change and open, which has encouraged the international financial groups to enter the local financial market. Hence, the local banking industry is facing the crucial heavy competition from both foreign and domestic banks. Therefore, we must come up with the methods to stabilize and furthermore to promote our competitiveness. This research first discusses the norms of the operating performances of the banks and evaluates the intensity of the effects that the certain financial norms have on the operating performances. Second, the research also proposes the solutions to the dilemmas of the banking industry, of all the solutions, it researches on the local banks’ setting up footholds in Mainland China. The conclusion of the diagnosis research aspect- this study divides the local 41 banks into three groups – all of the 41 banks, the banks which have established their footholds in Taiwan, Hong Kong, and Mainland China, and the banks which haven’t established their footholds in the places mentioned above. This research discusses the factors that affect the operating performances of the banks by analyzing the seven-year long-term Panel Data from 1999 to 2005. The diagnosis results are as follows: First, the six independent variables - the capital adequacy ratio, the non-performing loan’s ratio, the privately operated enterprise loans occupying ratio, the business expense ratio, the earning spread ratio and the non-interest income ratio - are positively or negatively associated with the asset reward rate and the capital reward rate. Thus, the six independent variables mentioned above are the significant factors that affects the operating performances of the banks. Second, the banks which have established the footholds in Taiwan, Hong Kong, and Mainland China comparatively have stronger strength to adapt themselves to the changing environment and adjust their business strategies, which significantly results in much better operating performance than the banks which have not established the footholds in the places mentioned above. The strength has urged the banks to make great strides forward to the development of internationalization. The conclusion of the analysis aspect - To enhance their competitiveness and create effective patterns of the net worth profit, the local banks should carry out a wide variety of strategies simultaneously. However, setting up the footholds in Mainland China and expanding the enormous inland market are one of the urgent action we have to take immediately. For this reason, the research also discusses the issue of establishing the footholds in Mainland China. Through the experiences of the foreign capital banks in Mainland China and the SWOT analysis of the local banks’ establishing footholds in Mainland China, the study induces the feasible patterns and strategies for the local banks that intend to develop in Mainland China. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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