Tesi sul tema "Commercial Bank of England"
Segui questo link per vedere altri tipi di pubblicazioni sul tema: Commercial Bank of England.
Cita una fonte nei formati APA, MLA, Chicago, Harvard e in molti altri stili
Vedi i top-50 saggi (tesi di laurea o di dottorato) per l'attività di ricerca sul tema "Commercial Bank of England".
Accanto a ogni fonte nell'elenco di riferimenti c'è un pulsante "Aggiungi alla bibliografia". Premilo e genereremo automaticamente la citazione bibliografica dell'opera scelta nello stile citazionale di cui hai bisogno: APA, MLA, Harvard, Chicago, Vancouver ecc.
Puoi anche scaricare il testo completo della pubblicazione scientifica nel formato .pdf e leggere online l'abstract (il sommario) dell'opera se è presente nei metadati.
Vedi le tesi di molte aree scientifiche e compila una bibliografia corretta.
1
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.
Testo completoAbstract (sommario):
Cette thèse s’inscrit dans le cadre des études anglophones et plus précisément de la recherche en anglais de spécialité, au confluent de plusieurs disciplines : linguistique, économie, textométrie, sans oublier les apports de l'approche civilisationnelle. S’intéresser à la langue implique de constituer un corpus, fondé sur un genre particulier ; de bien cerner la culture des milieux spécialisés concernés et de replacer l’analyse des discours dans leur contexte situationnel et historique, en abordant les questions de rhétorique, les précautions discursives, l’identité discursive, les métaphores ou la mise en récit. L’étude se fonde par ailleurs sur des connaissances spécifiques en politique monétaire et sur la société britannique contemporaine, qui justifient le bornage chronologique du corpus. Le décryptage des allocutions prononcées à Mansion House par les neuf gouverneurs de la Banque d’Angleterre qui se succèdent de 1946 à 2016 vise à une meilleure construction du sens en anglais de l’économie et de la finance ; l’étude diachronique permet par ailleurs de mesurer l’évolution du discours sur une période de 70 ans, de l’ère de l’opacité revendiquée à celle d’une stratégie de la transparence. Une lecture outillée des discours est proposée sous la forme d’un protocole textométrique exploratoire. Les enjeux de communication liés au rituel de Mansion House, la gestion de l’incertain, l’émergence du fait institutionnel, l’accueil critique de la presse, les rapports qu’entretient le gouverneur avec le chancelier de l’Échiquier, les événements qui ponctuent ou bouleversent les politiques engagées dans la Grande-Bretagne d’après-guerre, sont autant d’éclairages sur le discours spécialisé en question, ses contraintes et ses enjeuxThis 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
2
Savar, Ray. "Reform of commercial property leases in England". Thesis, Anglia Ruskin University, 2013. http://arro.anglia.ac.uk/297115/.
Testo completoAbstract (sommario):
This thesis explores the arguments and evidence for reform of commercial property leases through legislative intervention. It identifies and explains the causes of landlord and tenant disputes arising mainly from poorly drafted commercial leases. It investigates the relevant codes for leasing business premises, the Law Society business lease, the regulatory reform of part II of the 1954 Act, the British Property Federation lease, and various other attempts at reform of commercial property leases. This research also investigates the potential need for ethnic minorities in commercial property to have the key legal terms of commercial property leases made available in both English and other languages. There is little previous academic research on reform of commercial property leases through legislative intervention (other than Crosby Reading reports). This research aims to contributute towards filling the gap that exists in the literature by investigating reform through legislation. This research involved semi-structured interviews with participants from five groups: lawyers, surveyors/agents, landlords, tenants and business owners. Most interviewed supported reform of commercial property leases through legislative intervention, and better guidance explaining the meaning of key legal terms of commercial property leases, especially from ethnic minority businesses.
3
Savar, 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.
Testo completoAbstract (sommario):
This thesis explores the arguments and evidence for reform of commercial property leases through legislative intervention. It identifies and explains the causes of landlord and tenant disputes arising mainly from poorly drafted commercial leases. It investigates the relevant codes for leasing business premises, the Law Society business lease, the regulatory reform of part II of the 1954 Act, the British Property Federation lease, and various other attempts at reform of commercial property leases. This research also investigates the potential need for ethnic minorities in commercial property to have the key legal terms of commercial property leases made available in both English and other languages. There is little previous academic research on reform of commercial property leases through legislative intervention (other than Crosby Reading reports). This research aims to contributute towards filling the gap that exists in the literature by investigating reform through legislation. This research involved semi-structured interviews with participants from five groups: lawyers, surveyors/agents, landlords, tenants and business owners. Most interviewed supported reform of commercial property leases through legislative intervention, and better guidance explaining the meaning of key legal terms of commercial property leases, especially from ethnic minority businesses.
4
Safa, Mohammad Faisal As. "Essays on Commercial Bank Risk, Regulation and Governance". ScholarWorks@UNO, 2013. http://scholarworks.uno.edu/td/1703.
Testo completoAbstract (sommario):
I analyze the effect of various risks faced by commercial banks on the executive compensation in banking industry. Commercial bank executives are risk averse due to the regulatory pressure in addition to board governance mechanism. Commercial banks face various risks because of the regulatory mechanism and unique asset structure of the firm. So, it is expected that they should associate their own pay and pay-performance sensitivities (PPS) with the risks their banks face.
I find that bank executives associate their performance based pay with both idiosyncratic risk and systematic risk. But they associate their fixed pay only with systematic risk. The risk based PPS is also affected by the idiosyncratic risk but not by the systematic risk. Both asset return risk and insolvency risk have significant positive effect on PPS.
Bank executives put significantly higher emphasis on the fixed compensation in terms of salary and bonus, and significantly lower emphasis on the performance based compensation. They also put minimum emphasis on the risk based PPS although they put significant emphasis on return based PPS. These indicate the risk-averse nature of the bank executives due to the regulatory pressure in addition to board governance mechanism.
5
Fei, Yue. "Women managers' careers in a Chinese commercial bank". Thesis, University of Leicester, 2017. http://hdl.handle.net/2381/39667.
Testo completoAbstract (sommario):
China’s rapid economic growth since 1978 has made the country an important place to examine. This growth, though raising 800 million people out of poverty, has also created challenges for the state, one of which is how to integrate China into the global economy, and how to create understanding between distinct business practices. Increasing trade between China and the rest of the world has made it necessary to understand different cultural business practices to avoid conflict and misunderstandings. Another challenge for China is the increasing economic independence of women, which has resulted in the need to address gender inequality in the workplace in terms of women’s experience in their careers. This is a micro-ethnographic study of a Chinese bank in a medium sized city on the east coast of China, and I collected the data between July to September 2012. This includes over 492 hours of observation in the working practices of the bank, examination of 164 documents, and interviews with 51 managerial employees. The study focuses specifically on woman managers in the bank, and examines how they made their decision to work in banking, how their career developed and how they understand gender equality in the bank. It also examines whether they experience discrimination because of their gender, in what is usually regarded as a male dominated career. The study found that the women managers negotiate their gender positions moving between the established feminine and masculine characteristics in their role as managers depending on the context. However more relevant to the female managers is the cultural context of working in a Chinese bank. Guanxi was a prominent feature in this study; this was in terms of recruitment, promotion, discrimination and job allocation. The study argues that guanxi has adapted to the political, social and economic development of China, but continues to be essential for understanding Chinese culture and gender relations in the bank, which would be relevant in other industries in China. The implication is that to work with Chinese companies, other countries need to have a deeper understanding of how guanxi operates if they are able to successfully operate in a Chinese context. Furthermore, this study also postulates that traditional Chinese cultural values promote informal flexible work for women, protect their career progress during their maternity leave, encourage cooperation at work, and encourage commitment to the bank. This study contributes to the discussion on Chinese women’s career in management and argues that categories such as collectivism, individualism, feminism, and masculinity are too narrow for the complexity of the modern Chinese professional woman.
6
De, 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.
Testo completo
7
PEZZETTI, LAURA ANNA. "Stanze architettoniche : Bank of England di John Soane". Doctoral thesis, Università IUAV di Venezia, 2005. http://hdl.handle.net/11578/278501.
Testo completo
8
Dunn, Jessica. "Golden Handshakes at Commercial Banks". OpenSIUC, 2013. https://opensiuc.lib.siu.edu/dissertations/671.
Testo completoAbstract (sommario):
Compensation systems are designed by boards of directors to encourage manager performance. Severance packages are intended to provide insurance for the CEO's human value. Frequently, however, severance packages are increased upon termination by boards of directors at will. These non-contractual severance payments are called discretionary severance pay. This study investigates discretionary severance pay at financial institutions surrounding the financial crisis. Financial institutions are of particular interest as they faced unique regulations limiting the amount of severance payable to departing CEOs. There is evidence that the boards of directors engaged in regulatory arbitrage by increasing payments for the consulting and non-compete component of severance pay and decreasing payments for other components of discretionary severance pay.
9
Yokomaku, Katsunori. "The pursuit of sustainability by a global commercial bank". Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/59154.
Testo completoAbstract (sommario):
Thesis (M.B.A.)--Massachusetts Institute of Technology, Sloan School of Management, 2010.Cataloged 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.
10
Li, Hui. "The wealth effects of commercial bank securities issuances announcement". Thesis, University of Glasgow, 2016. http://theses.gla.ac.uk/7846/.
Testo completoAbstract (sommario):
Banks are often excluded in corporate finance research mainly because of the regulatory concerns. Compares to non-bank firms, banks are heavily regulated due to its special economic role of money and the uncertainty. Heavy regulation on banks could reduce the information asymmetry between the managers and investor by limiting the behaviour of banks at the time of the Seasoned Equity Offering (SEO), and by increasing the incentive for banks to avoid excessive risk-taking. Therefore, the market may be less likely to assume that bank issued securities signal information that the bank is overvalued compared to their non-bank counterparts. The objective of this thesis is therefore to examine commercial banks issued securities announcement effect. Three interrelated research questions are addressed in this thesis: 1) What is the difference in convertible bond announcement effect between banks and non-banks firm? 2) What is the difference in SEO announcement effect between banks and non-banks? 3) How do the stringency levels of bank regulation impact on the announcement effects of bank issued SEO? By using the U.S. convertible bond and SEO data from 1982 to 2012, I find that the bank issued a convertible bond and SEO announcement experience higher cumulative abnormal return than non-bank. This is consistent with the view that bank regulation reveals positive information about banks. Since banks are heavily regulated, the market is less likely to assume that the issuance of the convertible bond and SEO by banks signals information that is overvalued. These results are robust after controlling for a number of firm-, issue-, and market-specific characteristics. These results are robust by considering the different categories of non-bank industries by undertaking tests in relation to the differences in the CARS upon convertible bond/ SEO across industries, as well as the unbalanced sample between banks and non-banks by using the matched sample analysis. However, the relation between the stringency level of bank regulation and bank issued securities announcement effect may be nonlinear. As hypothesised, I find that bank regulation has an inverted U-shaped relation with the announcement effect of bank SEO by using the SEO data across 21 countries from 2001 to 2012. Under a less bank regulation environment, the market reacts more positively to the bank SEO announcement for an increase in the level of bank regulation. However, the bank SEO announcement effects become more negative if the bank regulation becomes too stringent. This inverted U-shaped relationship is robust after I use the exogenous cross-country, cross-year variation in the timing of the Basel II adoption as the instrument to assess the causal impact of bank regulation on SEO announcement effects. However, the stringency of regulation does not have a significant impact on the announcement effects of involuntary bank equity issuance.
11
Demirguc-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.
Testo completo
12
Demirgüç-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.
Testo completo
13
Moschouri-Tokmakidou, Eleni. "Commercial letters of credit in England and in Greece". Thesis, University of Birmingham, 1996. http://etheses.bham.ac.uk//id/eprint/5103/.
Testo completoAbstract (sommario):
An analysis of the commercial letters of credit in England and Greece. Contents include the types of letters of credit, the legal relationships, shipping documents tendered under a letter of credit, transfer of the letter of credit, and the banker's security.
14
Wallace, 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/.
Testo completoAbstract (sommario):
The object of this thesis was to establish whether a culture has developed in England and Wales towards international instruments of commercial harmonisation. In doing so, the thesis has examined the approach of five main institutions and groups, who represent the structures and mechanisms responsible for the functioning and on-going development of international commercial law, namely Universities; Practitioners; Cargo Owners, Freight Forwarder and Carriers; the Judiciary and Government/Parliament. The interaction of these institutions and groups with international commercial conventions, protocols and practices was analysed and the research has shown that although these institutions and groups generally display an outward sense of internationality, there is an underlying sense that international commercial laws are used as a means of better fitting English law to the transaction at hand, rather than as a means of applying another body of rules in preference to the governing national law. The research provides evidence that the approach of the institutions and groups to international commercial instruments is informed by complex and frequently inter-related factors, and that this generally results in a continued reliance on English law as the primary law for cross-border commercial transactions. Whilst there is support for the process of harmonising international commercial law, it is clear that the systems and processes for putting such laws into practice are at best incomplete. The research provides significant new data as to the current attitudes and approaches to international commercial instruments that are held by some of the main commercial sectors in England and Wales. The thesis further documents how these attitudes and approaches have been informed and this may help support a platform from which the use and implementation of harmonised commercial laws in England and Wales may be better enabled in the future.
15
Hua, 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.
Testo completoAbstract (sommario):
Banking 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.
16
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.
Testo completoAbstract (sommario):
The 1990s saw significant increases in commercial bank membership in the Federal Home Loan Bank (FHLB) System and extensive growths in FHLB assets and outstanding advances. Since FHLB policies may enable risk-taking behavior by the System's member institutions, this research evaluates the impact of the FHLBs on community bank members, local consumers, and local markets.
Results suggest that commercial bank liquidity is enhanced by and managed with the use of System advances, and investments in loans and mortgage-related assets increase with FHLB participation, particularly by small bank members. Credit quality and bank financial conditions improve after participating in the FHLB program, and cost savings from borrowing System funds may contribute to higher rates paid on deposits in local markets. However, banks with greater exposure to interest rate risk are more likely to become FHLB members, and interest rate risk exposure further increases after membership attainment, as the amount of advances borrowed increases, and the longer members remain in the FHLB program. Long-term advances have not been used to lengthen liability duration to offset growth in long-term asset investments, which makes the FHLB System more highly susceptible to rising rates.Ph. D.
17
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.
Testo completo
18
Kipper, Lukas, e 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.
Testo completoAbstract (sommario):
Background: Denmark, along with other European countries, has decided to cut its policy interest rate into negative territory to meet macroeconomic objectives. This has historically been thought of as impossible and impacts commercial banks significantly. As a consequence, concerns have been raised about commercial bank profitability, which is a primary indicator of the banking industry’s soundness. Purpose: The purpose of this thesis is to investigate the relationship between persistently negative interest rates and commercial bank profitability in Denmark, covering an extended timeframe (2011 – 2018, 165 bank years, 21 commercial banks). Method: Bank profitability is measured using the Return on Average Assets (ROAA) and the Net Interest Margin (NIM). The thesis follows a simple form of mixed-methods approach –quantitatively focused, followed by a supplementary qualitative study. For the quantitative part, data is collected through the Orbis database, which provides global company data. We utilized a Fixed Effects Model with strongly balanced panel data, covering 59% of the Danish banking industry’s assets. Semi-structured interviews were then conducted with professionals working in the industry to interpret the quantitative findings. Conclusion: The findings of this study show that in the time period observed: Interest rates are not correlated with the NIM; The duration of consecutive negative interest rates (in years) is negatively correlated with the NIM; Interest rates are not correlated with the ROAA; The duration of consecutive negative interest rates (in years) is not correlated with the ROAA; The duration of consecutive negative interest rates seems to be more significant since it takes time for the profitability-reducing effect of negative interest rates to materialize. The ROAA is not impacted by the (years in negative) interest rates, as it is mainly determined by factors under management control.
19
NGU, BRYAN, e 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.
Testo completoAbstract (sommario):
This 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.
20
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.
Testo completo
21
Duenes, Laura. "Community development lending : case studies of commercial bank lending programs". Thesis, Massachusetts Institute of Technology, 1989. http://hdl.handle.net/1721.1/73308.
Testo completoAbstract (sommario):
Thesis (M.C.P.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 1989.Title 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.
22
Barkley, David L., e 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.
Testo completo
23
Hadjiemmanuil, 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.
Testo completo
24
Schumann-Bacia, Eva-Maria. "John Soane und die Bank of England 1788 bis 1833 /". Hildesheim : Georg Olms, 1990. http://catalogue.bnf.fr/ark:/12148/cb389861201.
Testo completo
25
Jiang, 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/.
Testo completoAbstract (sommario):
This study contributes to the well-established efficiency literature with respect to transition economies and developing counties. Although bank efficiency has been a popular research area in both developed countries and less developed nations, it has been scarce in China mainly due to the lack of data. This study is considered as the first study that comprehensively investigates bank performance using multiple methodologies of financial ratio analysis and stochastic frontier analysis for the period of 1995-2005. The effects of a variety of governance changes have also been differentiated in order to providing policy recommendations for the on-going banking reform. Meanwhile, this study has addressed a number of methodological issues and has developed a more comprehensive stochastic distance function model by combining advantages of existing models, approaches, methods and procedures. Having experienced fundamental banking reforms for more than a quarter of century, the Chinese banking System has stridden towards a modem banking System with significant improvements in profitability, capitalization, and assets quality. Despite of these observed improvements, the banking system is still associated with relatively low profitability and capitalization, poor asset quality, and less liquidity, when benchmarking to 7 selected international renowned banks. One of the most impressive progresses has been the significant decrease in both outstanding NPLs balance and NPL ratio. However, it has noticed that the threat of NPLs problem to the economy as a whole remains unsolved. This study has rationalized economic foundations for the banking reform in China being the principal-agent theory and the budgetary constraint theory. The performance of Chinese banks has been improved and the estimated effîciency level is consistently at 75% in terms of technical efficiency, cost efficiency and profit efficiency. Employing the method of Berger et al. (2005), this study has jointly analyzed the static, selection and dynamic effects of governance changes. Joint-stock ownership has resulted in outstanding performance, while state ownership has been associated with low technical efficiency and profit efficiency but high cost efficiency. Foreign banks are more profit efficient but less cost and technical efficient (static effects). Foreign investors have rationally made their investment decisions by selecting more cost and technical efficient domestic banks, while less profitable domestic banks have been chosen for going public in line with government intension of reforming the unprofitable SOCBs (selection effects). Attracting foreign strategic investors and encouraging banks going public are two major partial privatization strategies, which have been generally proved as effective reform measures. The former tends to have positive impacts on technical efficiency and cost efficiency, while significant short-term gains in profit efficiency have faded in the long-term. The expected profit advantage of foreign ownership seems to take an even longer time to be realized. Going public strategy has resulted in performance improvement in the long-term after short-term losses (dynamic effects). We can not form a conclusion on whether the reform has succeeded, while what we can conclude is the reform is on the track with right direction. It is important to construct good corporate governance, but it is more important to ensure the good governance functioning. If those deep-rooted problems, such as government intervention and NPL problem, can not be dealt with properly in the near future, the chance of success is very small. Thus, our policy recommendations include consolidating up-to-date reform achievements, improving bank's managerial and operational skills, and reducing state's share in banks to lessen government interventions. Estimated efficiency is found to be sensitive to the differences in the definitions of outputs and inputs, especially in the presence of high level of NPLs. The income-based model is superior to the earning assets-based model in the estimation of technical efficiency. Similarly, profit efficiency appears to be more appropriate performance measures over cost efficiency. However, we suggest the use of multiple models and measures to reveal more valuable information. Moreover, in estimating cost function and alternative profit function, market average input prices are found to be more appropriate than banks' specific input prices.
26
Khosravi, 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/.
Testo completoAbstract (sommario):
This thesis first examines the role of banks in the transmission mechanism of monetary policy by focusing on the eight European new member States of Central and Eastern Europe over the 2004-2013 period. We specifically investigate the influence of monetary policy changes on bank lending activity and if this potential influence is contingent on bank characteristics, such as banks' size, capital, liquidity, risk factor and market power. Moreover, we focus on the prospective role of banks in the monetary policy transmission mechanism in order to reveal any clear trends in banks' lending behaviour during the 2008-2011 financial crisis. Secondly, we investigate the impact of a protracted period of low monetary policy rates on loosening of banks' credit standards regarding enterprises, households and consumer loans through concentrating on the nine Eurozone countries involved since the initiation of the Euro area Bank Lending Survey in the three distinct time frames of pre- (2002Q4-2008Q3), mid- (2008Q4-2010Q4) and post- (2011Q1-2014:Q4) financial crisis. Furthermore, we test the fundamental concept of the risk taking channel by examining excessive risk-taking behaviour by banks in stressed vs. non-stressed countries of the Eurozone. In an additional analysis, the efficacy of the European Central Bank's 3 year Long-Term Refinancing Operations is evaluated in great depth in order to determine whether banks' credit standards have been softened and the degree to which demand for loans has increased. Thirdly, we explore the financing structure of bank lending constrained Small and Medium Sized Enterprises in the eleven Eurozone countries by utilising firm-level data over the period of 2009 to 2014. We estimate if bank lending constrained firms demonstrate relatively more usage or requests for alternative financing. Additionally, a comprehensive investigation is presented by unveiling the impact and determinants of various financing constraints including credit lines, bank loans, trade credit and other lending on Eurozone firms. Furthermore, the notion of discouraged borrowers originally formulated by Kon and Storey (2003) is empirically evaluated. Finally, we present the conclusion of our research by further outlining its limitations and prospective scope for future studies.
27
Anwar, Mokhamad. "Bank efficiency and lending propensity : evidence from commercial banks in Indonesia". Thesis, University of Leicester, 2015. http://hdl.handle.net/2381/31807.
Testo completoAbstract (sommario):
Indonesia is one of the emerging economies, which has been adopting a bank-based system in the economy. It is very important to investigate the Indonesian commercial banks’ performance given their substantial contribution to the development of the country. This thesis aims to measure and analyse the performance of Indonesian banks in terms of their efficiency and lending propensity over the period 2002-2010. The period testifies the recovery phase after the turmoil caused by the Asian Financial Crisis of 1997-98 as well as the revocation of the regulation of minimum threshold on commercial banks’ small business loans (finance) in 2001. This thesis employs frontier methods in estimating bank efficiency where both parametric and non-parametric linear programming approaches are used, namely Data Envelopment Analysis (DEA) and Stochastic Frontier Analysis (SFA). The former is used to estimate the technical efficiencies and the latter is used to estimate the cost efficiencies of Indonesian banks over the period 2002-2010. This thesis also examines the lending propensity of Indonesian banks reflected by the tendency of their total loans and small business loans over the study period. The findings suggest that the technical efficiency of Indonesian banks tends to decrease whilst the opposite tendency is associated with their cost efficiency during the period. The downward trend of their technical efficiency stems from the fact that the period was the post-crisis of 1997-98 where banks were still unsteady to maintain high level of outputs over inputs. While the upward trend of their cost efficiency reflects their intensity to operate more economically in employing their resources during the period. The latter result testifies that Indonesian bank management took lessons learnt from the failure of their previous operations during the crisis. In addition, their total lending propensity is prone to increase over time during the period albeit they have not reached yet the optimum proportions. In contrast, their lending propensity to small businesses witnessed a diminishing pattern over the period. A regulatory change in 2001 seems to discourage Indonesian banks to lend to small businesses. Loans to deposits or lending proportions emerges to be the most important factor enhancing bank efficiency, whilst bank size and bank deposits are the foremost factors influencing the lending propensity of Indonesian banks over the study period.
28
Yang, Wen-Yi, e 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.
Testo completoAbstract (sommario):
碩士淡江大學
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.
29
Chen, Hsiu-Lan, e 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.
Testo completoAbstract (sommario):
碩士淡江大學
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.
30
Kuo, Chin-Kuei, e 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.
Testo completoAbstract (sommario):
碩士國立交通大學
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.
31
PatchrabhonLimpiti e 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.
Testo completoAbstract (sommario):
碩士國立成功大學
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.
32
Hueiling, Chen. "Decisions of Commercial Bank Analyst Coverage". 2004. http://www.cetd.com.tw/ec/thesisdetail.aspx?etdun=U0001-0505200517185300.
Testo completo
33
Chen, Hueiling, e 陳慧玲. "Decisions of Commercial Bank Analyst Coverage". Thesis, 2005. http://ndltd.ncl.edu.tw/handle/55206953221948330851.
Testo completoAbstract (sommario):
博士國立臺灣大學
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.
34
HONG, KUO WEI, e 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.
Testo completoAbstract (sommario):
碩士大葉大學
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
35
Lin, Tze-Yi, e 林姿儀. "Commercial Bank Market Efficiency in Financial Crisis". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/68067230953044562705.
Testo completoAbstract (sommario):
碩士國立臺灣大學
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.
36
Jen, Tien-I., e 任天一. "The Research on Commercial Bank Customer’s Profitability". Thesis, 2006. http://ndltd.ncl.edu.tw/handle/14430695194353801618.
Testo completoAbstract (sommario):
碩士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.
37
Chiou, Der-Shiou, e 邱德修. "The Financial Ratio Annalysis of Commercial Bank". Thesis, 2005. http://ndltd.ncl.edu.tw/handle/89662250933712385852.
Testo completoAbstract (sommario):
碩士世新大學
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 .
38
Chiang, Yueh-Ching, e 江月青. "Study on Taiwan Commercial Bank Operational Performance". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/04559765685348428424.
Testo completoAbstract (sommario):
碩士淡江大學
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.
39
Lin, YuHsin, e 林郁馨. "Commercial Bank in Investment Bank Underwritings: Certification Effect or Conflicts of Interest". Thesis, 2001. http://ndltd.ncl.edu.tw/handle/60792323251748961872.
Testo completoAbstract (sommario):
碩士國立臺灣大學
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.
40
I-HsienCheng e 鄭義憲. "The Determinants of Bank Loan Default-The Case of Taiwan Commercial Bank". Thesis, 2010. http://ndltd.ncl.edu.tw/handle/45345476357144028288.
Testo completoAbstract (sommario):
碩士國立成功大學
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.
41
Lin, Hao-Yu, e 林豪宇. "Performance Analysis of Commercial Bank Branches - A Case Study of S Bank". Thesis, 2018. http://ndltd.ncl.edu.tw/handle/672jkz.
Testo completoAbstract (sommario):
碩士國立臺北科技大學
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.
42
Lin, hsaingching, e 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.
Testo completoAbstract (sommario):
碩士正修科技大學
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.
43
Liu, Gerald, e 劉集成. "The Bank of England and the Banking Trade in 17th Century England". Thesis, 2001. http://ndltd.ncl.edu.tw/handle/00585192662375564473.
Testo completo
44
Yu, Gwang-Wei, e 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.
Testo completo
45
Liao, Chen-Kuo, e 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.
Testo completo
46
Chia-Ming, Chen, e 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.
Testo completoAbstract (sommario):
碩士國立中央大學
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.
47
Chuang, Hui-Ling, e 莊慧玲. "Market Segmentation and Image Position of Commercial Bank". Thesis, 1995. http://ndltd.ncl.edu.tw/handle/72165624386214172725.
Testo completo
48
Lee, Mei-Ying, e 李美瑩. "Education Training of Bancassurance in H Commercial Bank". Thesis, 2014. http://ndltd.ncl.edu.tw/handle/y8dn23.
Testo completoAbstract (sommario):
碩士朝陽科技大學
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.
49
CHEN, MING-QIN, e 陳明棽. "A study on reserve management of commercial bank". Thesis, 1992. http://ndltd.ncl.edu.tw/handle/39832776723995754748.
Testo completo
50
Yen, Dang Thi, e 鄧氏燕. "Determinants of Domestic Commercial Bank Profitability in Vietnam". Thesis, 2015. http://ndltd.ncl.edu.tw/handle/36934304684677589416.
Testo completoAbstract (sommario):
碩士中國文化大學
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