Tesis sobre el tema "Commercial Bank of England"
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Harris, Laurence. "Contribution à l'étude des discours spécialisés : décryptage de l'allocution annuelle du gouverneur de la Banque d'Angleterre à Mansion House (1946-2016)". Thesis, Paris 10, 2019. http://www.theses.fr/2019PA100091.
Texto completoThis research thesis, undertaken in the area of anglophone studies and, more specifically, in specialised English, stands at the crossroads of several disciplines: linguistics, economics, data mining, history, politics and the study of institutional trust. Engaging with language involves building a genre-based corpus, understanding the culture of the specialised communities within which discourse emerges, the exploration of discourse in its situational and historical context and the analysis of the strategies deployed, in terms of rhetoric, hedging, metaphors or narration. The study is also based on the specific knowledge of the monetary policy and, more generally, of the dynamic of contemporary British society underpinning the chronological span of the corpus. The decoding of the speeches delivered between 1946 and 2016 at Mansion House, by nine successive Governors of the Bank of England, aims at a better understanding of language in finance and economics. The diachronicity of the study helps in the comprehension of changes affecting the production and the reception of the speeches over a period of 70 years, from the era of constructive ambiguity to a strategy of transparency by the Bank of England. Computer-assisted analysis of the speeches is presented in the form of an exploratory protocol. Communication issues arising from the Mansion House ritual, the management of uncertainty, the emergence of institutional facts, the critical reception of the speeches by the press, the relationship between the Governor and the Chancellor of the Exchequer, as well as the episodes affecting or overturning policies in post-war Britain provide further insight into the specialized discourse in question, its constraints and its challenges
Savar, Ray. "Reform of commercial property leases in England". Thesis, Anglia Ruskin University, 2013. http://arro.anglia.ac.uk/297115/.
Texto completoSavar, Ray. "Reform of commercial property leases in England". Thesis, Anglia Ruskin University, 2013. https://arro.anglia.ac.uk/id/eprint/297115/1/RAY%20SAVAR%20PHD%20THESIS.pdf.
Texto completoSafa, Mohammad Faisal As. "Essays on Commercial Bank Risk, Regulation and Governance". ScholarWorks@UNO, 2013. http://scholarworks.uno.edu/td/1703.
Texto completoFei, Yue. "Women managers' careers in a Chinese commercial bank". Thesis, University of Leicester, 2017. http://hdl.handle.net/2381/39667.
Texto completoDe, Freitas L. J. "Commercial engraving on wood in England, 1700-1880". Thesis, Royal College of Art, 1986. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.234734.
Texto completoPEZZETTI, LAURA ANNA. "Stanze architettoniche : Bank of England di John Soane". Doctoral thesis, Università IUAV di Venezia, 2005. http://hdl.handle.net/11578/278501.
Texto completoDunn, Jessica. "Golden Handshakes at Commercial Banks". OpenSIUC, 2013. https://opensiuc.lib.siu.edu/dissertations/671.
Texto completoYokomaku, Katsunori. "The pursuit of sustainability by a global commercial bank". Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/59154.
Texto completoCataloged from PDF version of thesis.
Includes bibliographical references (p. 112-119).
"What is Corporate Social Responsibility?" "How can it be achieved?" These questions have been central themes in business management for the last decade. In particular, protecting the global environment is now recognized as common wisdom throughout the world. In fact, many companies worldwide have initiated steps to challenge environmental issues, and various methods have been developed to measure the impact. It must be said, however, that most companies have not directed their attentions to economic and social issues, such as human rights and poverty, on which companies can exert enormous influence. This thesis examines the next courses of action for the commercial banking industry in its efforts to pursue global sustainability. Already commercial banks have as their primary mission to circulate money in a global society. In this thesis, I explore a revolution in global banking in terms of habits of thought and action, and habitual artifacts. First, I address current discussions among international organizations about global sustainability, including the serious impacts stemming from the current world financial crisis, and the policies and activities of commercial banks. Second, I research recent examples of multinational companies and NGOs that are striving to understand and mitigate the negative impacts to society. Finally, I explore how to design a global commercial banking system that helps commercial banks achieve their goal of sustainability.
by Katsunori Yokomaku.
M.B.A.
Li, Hui. "The wealth effects of commercial bank securities issuances announcement". Thesis, University of Glasgow, 2016. http://theses.gla.ac.uk/7846/.
Texto completoDemirguc-Kunt, Asli. "Modeling large commercial-bank failures: a simultaneous-equations analysis". The Ohio State University, 1990. http://rave.ohiolink.edu/etdc/view?acc_num=osu1279558772.
Texto completoDemirgüç-Kunt, Asl? "Modeling large commercial-bank failures : a simultaneous-equations analysis /". The Ohio State University, 1990. http://rave.ohiolink.edu/etdc/view?acc_num=osu1487678444257508.
Texto completoMoschouri-Tokmakidou, Eleni. "Commercial letters of credit in England and in Greece". Thesis, University of Birmingham, 1996. http://etheses.bham.ac.uk//id/eprint/5103/.
Texto completoWallace, Mary Joan. "Instruments of international commercial harmonisation in England and Wales : how 'international' is international commercial law?" Thesis, University of East Anglia, 2013. https://ueaeprints.uea.ac.uk/47955/.
Texto completoHua, Dong. "Nordea Bank versus Industrial and Commercial Bank of China : A comparison of internet banking adopting". Thesis, University of Gävle, Department of Business and Economic Studies, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hig:diva-6514.
Texto completoBanking can be viewed as one of the most traditional and sophisticated sectors in the economy and business markets. However, over the past decades, developments in technology has been changing dramatically the way that retail banks conduct their business and this change has also been accelerated due to the introduction and evolution of internet banking. The aim of this thesis is to get a better understanding about what factors are important to have impact on the internet banking implementing.
Frizell, Julie Dolan. "The Causes and Effects of Commercial Bank Participation in the Federal Home Loan Bank System". Diss., Virginia Tech, 2002. http://hdl.handle.net/10919/29347.
Texto completoPh. D.
Harahap, Sofyan Syafri. "The Central Bank and commercial bank control relationships in Indonesia : a field based case study /". Title page, contents and abstract only, 1999. http://web4.library.adelaide.edu.au/theses/09PH/09phh254.pdf.
Texto completoKipper, Lukas y Mohammed Imad Albarbari. "Commercial Bank Profitability in a Negative Interest Rate Environment : A study on the relationship between negative interest rates and commercial bank profitability in Denmark". Thesis, Internationella Handelshögskolan, Jönköping University, IHH, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-48900.
Texto completoNGU, BRYAN y Tsegaye Mesfin. "MEASURING COMMERCIAL BANK PERFORMANCE AND EFFICIENCY IN SUB-SAHARAN AFRICA". Thesis, University of Skövde, School of Technology and Society, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-3736.
Texto completoThis paper offers to measure efficiency of banks in Sub Saharan Africa and its determining input andout put factors on two fonts. At this purpose, we applied the first font; Data Envelopment Analysis(DEA) for assessing efficiency level. The actual and target level of inputs/outputs to foster efficiencyare shown in the results. Secondly, the banks ratio analysis measuring banks performance throughreturns volatility for each bank, asset utilization and provision for bad and doubtful debts over thestudy period are all used as tools for this analysis. Our results suggest that Sub Saharan AfricanBanks are about 98.35% efficient. We are aware that the level of efficiency could be subject to up anddown swing if environmental factors influencing banks efficiency where taken into consideration.Finally, our result (DEA) is more sensitive to loans, other liabilities, other non interest expense,securities and deposit.
Cerasi, Vittoria. "Banking competition and the internal organization of a commercial bank". Thesis, London School of Economics and Political Science (University of London), 1996. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.244504.
Texto completoDuenes, Laura. "Community development lending : case studies of commercial bank lending programs". Thesis, Massachusetts Institute of Technology, 1989. http://hdl.handle.net/1721.1/73308.
Texto completoTitle as it appeared in M.I.T. Graduate List, June 1989: The role of private lenders in financing community economic development.
Includes bibliographical references (leaves 52-55).
by Laura Duenes.
M.C.P.
Barkley, David L. y Peter E. Helander. "The Role of Commercial Bank Loans in Nonmetropolitan Economic Development". College of Agriculture, University of Arizona (Tucson, AZ), 1985. http://hdl.handle.net/10150/602137.
Texto completoHadjiemmanuil, Christos. "Banking regulation and the Bank of England : discretion and remedies". Thesis, University College London (University of London), 1996. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.339232.
Texto completoSchumann-Bacia, Eva-Maria. "John Soane und die Bank of England 1788 bis 1833 /". Hildesheim : Georg Olms, 1990. http://catalogue.bnf.fr/ark:/12148/cb389861201.
Texto completoJiang, Chunxia. "Analysis of bank efficiency of Chinese commercial banks and the effects of institutional changes on bank efficiency". Thesis, Middlesex University, 2008. http://eprints.mdx.ac.uk/8108/.
Texto completoKhosravi, Taha. "The bank lending channel : an empirical assessment of measures to stimulate bank lending in the European Union". Thesis, University of Sussex, 2018. http://sro.sussex.ac.uk/id/eprint/75171/.
Texto completoAnwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia". Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
Texto completoYang, Wen-Yi y 楊文怡. "A Study of Service Attitude Satisfaction of Taipei Consumers of First Commercial Bank,Hua Nan Commercial Bank and Chang Hwa Commercial Bank". Thesis, 2009. http://ndltd.ncl.edu.tw/handle/75113821661884684981.
Texto completo淡江大學
國際貿易學系國際企業學碩士在職專班
97
The international finance environment is getting tough due to the subprime mortgage crisis happened in 2007. The credit risk issues are appearing in many nations and the financial organizations. However the conservative First Commercial Bank, Hua Nan Commercial Bank and Chang Hwa Commercial Bank (the three former national business banks) obtain the consumers’ favor these days. In order to understand the consumer behavier, this research is aiming at Taipei area consumer to survey the satisfaction degree at the three business banks’ services. This research adopts the convenience sampling. 400 questionnaires were submitted. 325 of them are effective questionnaires. This research investigates consumers’ satisfication at banks’ service attribute and also reviews the gap between consumers’ expectation and satisfication at service. Finally the Importance Performance Analysis (IPA) is adopted to provide the banks with the advice to improve the service quality.
Chen, Hsiu-Lan y 陳秀蘭. "A Study of Lifestyle and Market Segmentation:A Case Study of Taipei Customers of First Commercial Bank﹐Hua Nan Commercial Bank and Chang Hwa Commercial Bank". Thesis, 2009. http://ndltd.ncl.edu.tw/handle/93519268854603402830.
Texto completo淡江大學
國際商學碩士在職專班
97
Facing the impact of financial liberalization and internationalization, the survival of the banking industry in the fierce competitive financial market has become the most pressing issue for the banks. Based on the theory of market segmentation to separate different consumer groups, this research provides a marketing strategic reference for the banking industries. Using the lifestyle variables as segmentation bases, a total of 327questionnaires were collected from customers who opened an account with First Commercial Bank and Hua Nan Commercial Bank and Chang Hwa Commercial Bank in Taipei . The study questionnaire was divided into two major parts; first part was on the lifestyle and the second part was on the demographic variables. ANOVA analysis, chi-square test, factor analysis and cluster analysis of statistical methods were used to analyze the applications. The research findings are as follows: 1. Using the 23 questions from the lifestyle (AIO) questionnaires, five factors namely, “popular novelty”, “socialization activity”, “pragmatic factors shopping”, “fashion brand”, and “rational and independent” were obtained through the factors analysis of extraction. 2. Using Cluster and Discriminated analysis, respondent samples can be segmented into three market segments, namely, “Fashion shopping”, “External – Control brand”, and “rational and pragmatic social group.” A significant differences were found in both the three market segments and five lifestyle factors. 3. Significant differences were found in “gender,” “age,” “occupation,” and “personal average monthly income,” in the three market segments.
Kuo, Chin-Kuei y 郭錦貴. "A Study on the Feasibility and Consequence of Bank Merger Project of First Commercial Bank, Dah Ann Commercial Bank and Pan Asia Bank". Thesis, 2001. http://ndltd.ncl.edu.tw/handle/62710066993886396132.
Texto completo國立交通大學
經營管理研究所
89
Abstract Due to the acceleration of international economic integration in our global village, liberalization and globalization of financial institutions became the unavoidable trend. In order to respond quickly to the rapidly growing competitions among industry, large international banks tend to merger since the beginning of the 90’s. Bank of America merged with NationsBank. Travelers Group tied the knot with Citicorp. Nippon Trust Bank Limited and the subsidiary of The Bank of Tokyo Mitsubishi, Ltd., Tokyo Trust Bank merged under the aegis of Mitsubishi Trust Bank and established the Mitsubishi Trust Bank. These are all very well known cases. The increased merger and acquisition activities are to decrease business risk and lower the operation cost in order to pursue more profit. Banks in Taiwan, like those in any other countries, must face server competitions nowadays. The competition is even worse after new banks establishment was de-regulated by the government. In order to stay in the market and compete with a large number of financial institutions. Banks tend to have extension of loans but ended up with failed loans that drives down profit margins. Indirect financing became less employed. Most banks, once dominated business lending, struggled to survive from competition with non-bank lenders like life insurance, brokerage, and finance companies. Banks in Taiwan must not only provide more professional and diversified service, but also seek suitable partners to merge. In recent two years, Ministry of Finance encouraged banks to have corporate combination in order to increase their efficiency and become more competitive. Just recently, Taiwan Banks, Land Bank of Taiwan and Central Trust of China were planning the merger project. Besides, there are other merger cases such as ICBC-United World Chinese Commercial Bank-The Shanghai Commercial & Saving Bank, Ltd.; First Commercial Bank-Dah Ann Commercial Bank and Pan Asia Bank. For efficiency gained from exploiting scale economies, banks tend to have corporate combination with others of similar scale and constitution. Little studies were done to comprehend the relationship between the scale of banks, operating characteristics and the feasibility of merger. Therefore, the study is to have a case study on the merger of three banks--First Commercial Bank-Dah Ann Commercial Bank and Pan Asia Bank. The study addresses seven financial indicators and characteristics of target banks as the variables to evaluate the business performance of the banks and the possible consequence may occur after the merger. The complementary of business operation of the three banks would also be analyzed, for whether the merger may enhance the weakness of each bank generally speaking may be one of the motives of merger. According to the study result, there is not much similarity in business scale or scope between these three banks. It seemed that no complementary effect would be employed after consolidation. The possibility of a success merger may not be obvious. However, the merger would definitely increase the scale of the bank. On the other hand it some how solves some problems of financial institutions, for the government sake.
PatchrabhonLimpiti y 林海峰. "Effecting Factors of Cardless Technology Adoption: Comparing Commercial Bank and Non-Commercial Bank mobile payment User". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/y24uqs.
Texto completo國立成功大學
國際經營管理研究所
106
Coming of Technology age, many business sectors implement different innovation to support their business and service to fulfill changing in behavior of their customers, as well as financial cluster, where mobile phones become an essential part for banks and customers for many interactions. Cardless technology is one of the latest innovations which allows users to withdraw cash from ATM without requiring traditional ATM card with expecting this could enhance and create new channel to users to interact and manage transaction on mobile banking application. Aim of this study is to define those factors which could affect customers in terms of adoption behavior by comparing two groups of mobile payment users, commercial bank mobile payment users, and non-commercial mobile payment users-Fintech. Mixed method-qualitative study and quantitative are employed in this study to define factors which could influence customers where qualitative is interviewing based on grounded theory, and quantitative is survey.
Hueiling, Chen. "Decisions of Commercial Bank Analyst Coverage". 2004. http://www.cetd.com.tw/ec/thesisdetail.aspx?etdun=U0001-0505200517185300.
Texto completoChen, Hueiling y 陳慧玲. "Decisions of Commercial Bank Analyst Coverage". Thesis, 2005. http://ndltd.ncl.edu.tw/handle/55206953221948330851.
Texto completo國立臺灣大學
會計學研究所
93
This study examines sell-side analysts’ decisions to follow a bank. We specifically investigate whether analysts’ decision to follow a commercial bank is related to their characteristics. We also investigate whether the forecast horizon and coverage intensity associate with analysts’ characteristics. Both difficulty of assessing asset portfolio value and leverage are variables to the volatility of the commercial bank share prices. We decompose costs of analyst following a bank into difficulty and leverage. The empirical results show that analyst coverage is significantly greater for banks with greater difficulty proxied by risk-weighted assets scaled by total assets, but it is insignificantly smaller for a bank with higher asset growth. We also find that analyst coverage is greater for firms with higher Tier I leverage ratio. This study also posits and shows that high ability analysts choose to follow commercial banks with low leverage regardless of whether the headquarter of the commercial bank and the branch offices/headquarter of the brokerage house are at the same region. High ability analysts also prefer to cover banks with high asset risk when the commercial banks and brokerage house are at the same region. However, contrary to our predictions, high ability analysts do not choose to follow a commercial bank with high asset growth. Moreover, we find that analysts’ ability and forecast horizons are significantly positively correlated. This study also demonstrates that high ability analysts prefer to issue longer-term earnings forecasts. Finally, analysts’ ability is found to be significantly positively associated with coverage intensity. Consistent with the notion that high ability analysts better specialize in collecting and interpreting information than low ability analysts, high ability analysts appear to revise their earnings forecast more frequently.
HONG, KUO WEI y 郭維鴻. "Competitive Strategies of the Commercial Bank Against the Financial Holding Company-A Case Study of C Commercial Bank". Thesis, 2004. http://ndltd.ncl.edu.tw/handle/63597118977648002798.
Texto completo大葉大學
事業經營研究所碩士在職專班
95
The commercial bank is an important financial institution in Taiwan economic society. The global financial environment change structurally due to the banking liberalizations, internationalization and Information Technology. Taiwan financial market become more opening and competition. This research intends to explore how Taiwan’s banking to utilize resources, creative its outstanding management. This research also tries to achieve the following research goal: First, we explore present situation and challenge in commercial bank. Second, we explore the development strategy of the bank belonging to finance holding company in Taiwan. Third, from resources viewpoint, we explore which strategy the commercial bank will adopt when they face challenge of the bank belonging to finance holding company. We take C bank for granted. C bank adopts a strategy of small and beautiful "the specialized bank" . According to the external environment resources condition, it is difficult for C bank to lead to establish finance holding company and expand market share with its capitalization and business scale. If the the bank belonging to finance holding company finance holding company, it is difficult to create competitive advantages due to low cost and Cross selling. If C bank adopts strategy, although the overall resources is not superior to the bank belonging to finance holding company, it is competitiveness in regionalization middle Taiwan. C bank adopts a strategy of centralism and difference. Key Words :business Bank,competitive strategy,resource-based
Lin, Tze-Yi y 林姿儀. "Commercial Bank Market Efficiency in Financial Crisis". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/68067230953044562705.
Texto completo國立臺灣大學
財務金融學研究所
98
Abstract In recent years, there has been a dramatic proliferation of research concerned with market efficiency while recent global financial crisis has led to renewed criticism of the hypothesis. The main purpose of our study is to investigate commercial bank market efficiency in financial crisis. First, we use a multi-regression model to examine the relation between returns and contemporaneous as well as lagged order imbalances. We divide our sample into overall effect, autocorrelated effect and cross-correlated effect situation to discuss separately. The empirical result shows that the contemporaneous order imbalances have a significantly positive impact on returns in all three situations, and the lagged-one imbalances also have a positive impact on returns disregarding the contemporaneous imbalances in overall effect condition and cross-correlated effect condition, but the positive relation is not as significant as the empirical result of Chordia and Subrahmanyam (2004). Once we condition on the contemporaneous imbalances, most of the coefficients of lagged-one imbalances turn to be significantly negative, which is consistent with Chordia and Subrahmanyam (2004). Besides, we adopt GARCH(1,1) model and observe positive relation between contemporaneous order imbalances and returns. We also find there exists the convergence process toward efficiency. In addition, we examine the relation between volatility and order imbalances by using a GARCH(1,1) model. We observe low connection between order imbalances and price volatility, and it could be explained that market makers have good control on commercial banks’ price volatility. Finally, we form an intraday trading strategy based on the sign of large order imbalances to test if the trading strategy can beat the market or not. We find our trading strategy cannot beat the market.
Jen, Tien-I. y 任天一. "The Research on Commercial Bank Customer’s Profitability". Thesis, 2006. http://ndltd.ncl.edu.tw/handle/14430695194353801618.
Texto completo國立高雄第一科技大學
風險管理與保險所
94
ABSTRACT This study is mainly on the basis of the Customer Profitability from Customer Relationship Management, CRM; furthermore, it will aim to eventually clarify the difference of Customer Profitability between the bank’s customers of personal loan’s and personal investment and wealth management by statistics of regression analysis. Here are the major conclusions below in accordance with the empirical survey :The dimensions of Customers’ characteristics in relation to Customer Profitability are, namely:personal annual income ,the amount of children and working experience.According to the empirical evidences show, the higher figures the above datum get, the more positive feedback toward Customer Profitability it will be.The dimensions of customers’ dealing records among the financial institutions in relation to Customer Profitability are, namely:the more enquiries the JCIC make and the more Mortgages’account balance of the whole financial institutions guarantee, the more negative feedback toward Customer Profitability of personal credit loan it will be.Highly emphasizing the importance of a great quantity of customers’ credit cards makes a positive contribution to Customer Profitability. Meanwhile, this study is found that the more the commercial items are sold, as far as the cross- selling at bank is concerned, the more the bank will benefit from.
Chiou, Der-Shiou y 邱德修. "The Financial Ratio Annalysis of Commercial Bank". Thesis, 2005. http://ndltd.ncl.edu.tw/handle/89662250933712385852.
Texto completo世新大學
經濟學研究所(含碩專班)
93
This paper uses financial ratio analysis method to analysis the efficiency of commercial bank A during year 2000 to 2002 .We compare the deposit , loan , B/S , I/S of bank A of different years to see it’s efficiency performance .We focus CAMELS Rating to analysis bank efficiency . We find bank A’s unusual write of it NPLs in year 2002 , to the result of financial ratio analysis may be biased . Therefore we do the financial ratio analysis by assumig if bank A to write off bank’s NPLs equally during 2000 - 2002 .We find the ROA , ROE and net profit after tax (NPT) of bank A in year 2000 and year 2002 are lower then that of year 2001 before the NPLs adjustment , but all of values in after adjustment year 2002will increase .
Chiang, Yueh-Ching y 江月青. "Study on Taiwan Commercial Bank Operational Performance". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/04559765685348428424.
Texto completo淡江大學
國際行銷碩士在職專班
103
Small and medium enterprises thrived during initial development of Taiwan industry, leading Taiwan economic growth. The banking industry also played an important role in offering financial services; hence, the stability of a banking system is crucial to Taiwan industry. Since the government vigorously loosened banking laws and restrictions, Taiwan banking entities have experienced a rapid expanding period, which in the end they found themselves facing a vicious and competitive banking environment. Due to the excessive number of banks, profits from savings and loan narrowed dramatically. In order to survive, banks chose to expand their overseas business to seek higher returns; also many mergers and acquisition activities went up. Because banks are relying more on their overseas branches, global economy affects banks’ returns greatly. Evaluation on banks’ relative operation performance, therefore, became much more important. This study uses Data Envelopment Analysis (DEA), let total asset, operation expense and interest expense as input variables, and interest income and non-interest income as output variables, and perform correlation analysis on relative operation performance of sample banks, and use Windows analysis as computing model on cross-year relative operation performance in order to increase the stability of the result among compare sample banks. In the end, this study will promote further discuss the possible ways of development of sample banks.
Lin, YuHsin y 林郁馨. "Commercial Bank in Investment Bank Underwritings: Certification Effect or Conflicts of Interest". Thesis, 2001. http://ndltd.ncl.edu.tw/handle/60792323251748961872.
Texto completo國立臺灣大學
商學研究所
89
This study discusses the reasons for and against banks'' extending securities power, especially underwriting activities. We discuss several reasons alleged by proponents of extending bank powers and explore the empirical literatures that examine the real effect of above reasons. The empirical results show that most of the alleged effects in extending bank powers are not significant. In addition, we discuss the conflicts between commercial banking and investment banking and explore the empirical literatures that examine the conflicts of interest effect in banks'' underwriting activities. This study focuses on the certification effect and conflicts of interest effect in Taiwan''s banks’ underwriting activities. We conduct t-test and OLS regression to examine the certification effect and conflicts of interest effect in bank underwritings comparing to securities firm underwritngs. We find that the certification effect of commercial banks in underwritings is not significant by using t-test. The results of multiple regression show that more underwriters could lead to reduction in returns. There is no significant evidence of the differences in yields between bank underwritings and securities firm underwritings.
I-HsienCheng y 鄭義憲. "The Determinants of Bank Loan Default-The Case of Taiwan Commercial Bank". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/45345476357144028288.
Texto completo國立成功大學
國際管理碩士在職專班
98
This study examines the determinants factors of loan default in the case commercial bank in Taiwan. The result after using Logit analysis to define determinants of credit default for overall samples shows that operating cash flow ratio of the Solvency factor、 financial fee ratio of financial structure factor、organizational management、 affects by the affiliated company、 transaction credit status with bank of the management administration factor are main factors that influence credit risk. The result shows that the above factors are all critical for the bank loan will default or not. As we know the essences of the Commercial Banks are gaining the profits from risk taking and financial services providing. A good risk control will decide the success of the banking business running and performance. Especially in the Taiwan financial market, the banking industry is owing to the highly competitive environments and dozens of banks providing the same quality financial products. The study result shows some important factors which are all significant for the bank loan default. There are the operation cash flow ratio of solvency、financial fee ratio of financial structure、Organizational management、affects by the affiliated company and transaction credit status with bank of management administration factor. I hope these results can provide as a reference for the bank administration level when granting the loan.
Lin, Hao-Yu y 林豪宇. "Performance Analysis of Commercial Bank Branches - A Case Study of S Bank". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/672jkz.
Texto completo國立臺北科技大學
經營管理系碩士班
106
The present study employs data envelopment analysis (DEA) to research the operational performance of the 65 branches of S Commercial Bank from 2013 to 2017. A viewpoint inclining toward the intermediation approach is chosen, in which the input variables consist of average loans and the number of employees while the output variables are comprised of net interest income, fee income and earnings before taxes. Pearson’s correlation coefficient is first used to test whether the selected inputs and outputs are suitable, and then numerical formulas are applied for simulation analysis. The results of empirical research revealed the following: (1)Efficiency analysis carried out using CCR and BCC models shows that, during the period from 2013 to 2017, Yung Ho Branch’s total technical efficiency was evaluated to be relatively efficient for four years, and it ranked top in constant returns to scale; this is followed by four branches, i.e. East Taipei, Cheng Chung, Min Sheng and Chung Kang, with their total technical efficiency evaluated as being relatively efficient for three years, and they ranked second in constant returns to scale. (2)The best and worst branches determined using CCR and BCC models were different from those resulting from the internal performance evaluations conducted by the Head Office of S Commercial Bank. The main reason was that the performance evaluation considered not only “surplus” but also “services of the corporate finance division” (e.g. volume of import/export business), “services of the personal banking division” (e.g. dimensions of personal banking risk), “audit/internal control execution” (e.g. assessment of law abidance), and “goal of strategy management” (e.g. e-bank penetration rate). Moreover, the performance evaluation emphasized the growth rate and goal achievement rate. The annual surplus differed among branches because of group categorization, so a specific amount was added (for example, an amount of 15 million was added to the surplus of branches in Group A, 9 million to Group B, and 5 million to Group C). There were also few special circumstances in which the branches lower the surplus budget.
Lin, hsaingching y 林香靜. "Using CAMEL indicators to explore the performance of subsidiary banks of financial holding companies - Hua Nan Commercial Bank, Mega International Commercial Bank, and First Commercial Bank are taken as case study". Thesis, 2012. http://ndltd.ncl.edu.tw/handle/39016449896563495320.
Texto completo正修科技大學
經營管理研究所
100
Financial institutions are indispensable support and forces behind all industrial development. In Taiwan, early on the public banks were primarily functional banks that focused on policy objectives, such as economic development and financial stability. Later, in order to cope with the intense free market competition in Taiwan and abroad as well as industrial demands, many private banks were permitted to open. In 1997, the Asian financial crisis exposed the problems in many domestic banks such as weakened constitution and excessive debts caused by negative competition. In addition, starting in 2000, the first and second financial reforms were promoted in 2000 and 2004, which emphasized the mergers between lower-level financial institutions and the permission to form financial holding companies. These policies were administered in hopes of achieving the benefits of mergers and decreasing negative competition in a saturated domestic financial market, in order to create a more suitable environment for investment. As it has been ten whole years since the financial sector of Taiwan has entered the age of financial holding companies, the purpose of this study is to understand whether subsidiary banks under financial holding companies have achieved positive performance in operations and profitability. After filtering the samples, this study chose as the research sample three subsidiary banks under financial holding companies with public stock – Hua Nan Commercial Bank, Mega International Commercial Bank, and First Commercial Bank. This study uses the CAMEL indicators used by the United States Federal Financial Institutions Examination Council to assess bank performance, along with the financial soundness indicators published by the Central Bank of the Republic of China. Among them, 14 financial performance ratios are selected to serve as the standards for research on bank performance. Results show: 1. The business model of the financial holding company does have a positive composite performance in regards to the operations of subsidiary banks. In this study, Mega International Commercial Bank outperformed the other two banks in terms of CAMEL indicators. The three primary reasons for this are: (1). Higher ratio of equity capital, (2). Longer period as privatized bank, and (3). Expansion of foreign currency business.
Liu, Gerald y 劉集成. "The Bank of England and the Banking Trade in 17th Century England". Thesis, 2001. http://ndltd.ncl.edu.tw/handle/00585192662375564473.
Texto completoYu, Gwang-Wei y 余廣為. "The Valuation of Chinese Bank: Evidence from Industrial and Commercial Bank of China". Thesis, 2008. http://ndltd.ncl.edu.tw/handle/n5ej72.
Texto completoLiao, Chen-Kuo y 廖鎮國. "Determinants of commercial bank net interest margin in 「Bank-base」and「Market-base」". Thesis, 2000. http://ndltd.ncl.edu.tw/handle/98773035245846918680.
Texto completoChia-Ming, Chen y 陳嘉銘. "Efficiency analysis of Bank Branches:The Case of the Shanghai Commercial & Savings Bank". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/5crp2d.
Texto completo國立中央大學
產業經濟研究所在職專班
106
This thesis utilize branch-level data of the Shanghai Commercial and Savings Bank Research to analyze their technical efficiency and how the degree of digitalization affects technical efficiency of branches. Based on a panel dataset of 68 branch banks for the period 2013-2017, the first stage estimation by using data envelopment analysis (DEA) finds that the average technical efficiency value reaches only a moderate level of 0.510 and it shows a small variation across years. On the second stage, using the panel tobit model to implement empirical estimation, we confirm a positive relationship between mobile banking and technical efficiency, highlighting the importance of digitalization business for banks. Finally, the correlation analysis finds a low correlation between key performance indication (KPI) and technical efficient. It is because the KPI target designated by headquarter considers some specific targets and branch mission, thereby leading to this low correlation.
Chuang, Hui-Ling y 莊慧玲. "Market Segmentation and Image Position of Commercial Bank". Thesis, 1995. http://ndltd.ncl.edu.tw/handle/72165624386214172725.
Texto completoLee, Mei-Ying y 李美瑩. "Education Training of Bancassurance in H Commercial Bank". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/y8dn23.
Texto completo朝陽科技大學
保險金融管理系
102
The competitions of the Bancassurance are very hard in Taiwan these years. The bankers face more challenges than before in the insurance business when they tried to sell the insurance. The earlier sales education trainings in the bank are not suitable any more, so they have to develop a hole new sales education training system. This research regards H commercial bank as the research objective. Explore the education training system to use actual interviews, industry experience, and relevant documentations, the differences in the training programs between N insurance company. The results of study are: 1.The H commercial bank had created a great budget on the sales training system for their employees. And they set up a special department for researching developing the training programs. 2.The differences in the training programs between N insurance and H commercial bank are found that sign up programs, teaching methods, products policy and type, develop customer and award have outstanding difference. 3.After education training, bankers have high satisfaction and improve licenses the qualified rate. In this study, give a advice of management practices, Bancassurance can refer traditional insurance companies to get a more complete education training system. To integration and application education training system through the curriculum designers, curriculum implementers, curriculum trainee.
CHEN, MING-QIN y 陳明棽. "A study on reserve management of commercial bank". Thesis, 1992. http://ndltd.ncl.edu.tw/handle/39832776723995754748.
Texto completoYen, Dang Thi y 鄧氏燕. "Determinants of Domestic Commercial Bank Profitability in Vietnam". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/36934304684677589416.
Texto completo中國文化大學
財務金融學系
103
This study aims to examine the determinants of profitability for domestic commercial banks in Vietnam over the period 2007- 2012. This study is interesting in the sense that, although abundance of literature has investigated into the factors that affect the banking industry for many countries including Vietnam, a specific case of the Vietnamese domestic commercial bank has not been found so far. In this study, two profitability indicators, returns on total asset (ROA) and return on total equity (ROE), are treated as dependent variables. Meanwhile, fifteen independent variables are divided into two groups: bank-specific variables which include capital structure (CS), funding structure (FS), credit risk (CR), liquidity risk (LR), funding cost (FC), business model (BM), operation efficiency (OE) , bank’s growth (GR); industry-specific factors which include ownership (OWN), IPO, age of the bank, and market concentration (CON) and macroeconomic variables which include real gross domestic product (GDP) growth, inflation (RIF) and effective coporate income tax rate (TAX). The panel data are collected annually from official websites of twenty-four local commercial banks, covering the period from 2007 to 2012. The pooled ordinary least squares (POLS) method is utilized to estimate two models with ROA (Model 1) and ROE (Model 2) as dependent variables and all independent variables as are aforementioned. The empirical results from Model 1 show that, in contrast to the findings of Dietrich & Wanzenried (2011), capital structure has positive effects on ROA. This profitability indicator also moves in the same direction with GDP growth consistent with the findings of Rachdi (2013). Nevertheless, credit risk, business model, operation efficiency, market concentration and inflation rate have negative effects on bank’s profitability. No association is found between profitability and funding structure, liquidity risk, funding cost, bank’s growth, ownership, age, and tax. In the Model 2 with ROE as the dependent variable, in contrast to Model 1, ROE is negatively correlated with capital structure while positively correlated with bank’s growth. CR, BM, and OE show the same impact to ROE like they do impact to ROA. However, RIF have no longer effect on profitability anymore. Instead of that, bank growth measure by growth of loan moves in the same direction with ROE meanwhile it have no relationship with ROA. Keywords: Profitability, Commercial banks, Vietnam, determinants, Pooled Least Square estimate