金融自由化下商业银行多角化经营之影响因素——基于台海两岸商业银行之实证研究

Commercial Bank Diversification Strategy's Factors during the Financial Liberalization Process——Empirical Study Based on Cross-strait Commercial Banks

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。

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 Taiwan Residents 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.