外資進入對兩岸銀行業成本效率之探討

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Title:	外資進入對兩岸銀行業成本效率之探討 Different Impacts of Foreign Investment on the Cost Efficiency between Taiwan’s and China’s Banks
Authors:	朱育德 Chu, Yu-Te
Contributors:	財務金融學系
Keywords:	外資進入兩岸銀行業成本效率隨機邊界法共同成本函數 foreign investment cross-strait banking cost efficiency stochastic frontier the common cost function
Date:	2013-06
Issue Date:	2015-07-30 14:50:36 (UTC+8)
Abstract:	近年來，隨著中國金融體制進行大幅調整，政策逐漸鬆綁，外資銀行也積極進入中國市場，取得市佔率。目前外資銀行主要採取的方式以參股與合資兩種方式為主要進入管道。至於臺灣金融市場，亦積極開放外國銀行投資。而外商銀行為擴張版圖，亦積極在台進行併購活動。多數的研究顯示，外資銀行進入會提升地主國銀行部門的效率，外資持有股權愈高銀行愈有效率，能顯著地改善本國銀行的效率與競爭性。故本研究擬利用隨機邊界法(stochastic frontier approach, SFA)，分別從外資進入中國與臺灣的觀點來評估其對銀行業成本效率之影響，並進一步利用Battese, Rao, and O’Donnell (2004)提出的metafrontier approach 估計兩岸共同成本邊界函數，比較外資進入前後兩岸銀行成本效率之差異。實證結果顯示：外資的進入有助於提升兩岸銀行業的成本效率，其中的原因，推估包含外資帶來較新的管理和技術、充裕資金、風險控管、資訊系統以及產品的創新。 In recent years, as China’s financial system, adjust in the policy gradually relaxed, foreign banks are actively entering the China market, obtain market share. Foreign banks take the equity share and joint ventures are two ways to enter the pipeline. For Taiwan’s financial markets also a positive and open foreign banks to invest. The foreign banks expand the scope, is also actively in Taiwan mergers and acquisitions activity. The majority of studies have shown that the entry of foreign banks will increase the efficiency of the host country banking sector, foreign ownership higher the bank more efficient, can significantly improve the efficiency and competitiveness of domestic banks. Therefore, this study intends to use the Stochastic Frontier Approach (stochastic frontier approach, SFA), respectively from foreign capital to enter China and Taiwan view to assess the impact of the cost efficiency of the banking sector, and further use of Battese, Rao, and O’Donnell (2004) metafrontier approach to estimate their common cost frontier function before and after the comparative foreign capital into the differ-ences between the two bank’s cost efficiency. The empirical results show: the entry of foreign help to improve the cost efficien-cy of cross-strait banking sector, one of the reasons, the estimate contain foreign bring newer management and technology, sufficient capital, risk control, information systems and innovative products.
Appears in Collections:	[Department of Banking & Finance ] Thesis

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