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題名:銀行經理人對國際監理原則、銀行監理制度與經營績效之認知研究:兼論風險管理之干擾影響
作者:陳漢達
作者(外文):Hantat Chen
校院名稱:中國文化大學
系所名稱:國際企業管理研究所
指導教授:林彩梅
學位類別:博士
出版日期:2009
主題關鍵詞:國際監理原則及規定監理制度銀行經營績效風險管理International Principles and Regulations for Banking SupervisionSupervisory SystemsOperating Performance of BanksRisk Management
原始連結:連回原系統網址new window
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本研究之目的是探討銀行經理人對國際監理原則及規定、監理制度與銀行經營績效之認知,以及風險管理對國際監理原則及規定與銀行經營績效、監理制度與銀行經營績效之干擾效果,並比較台灣、香港、新加坡之銀行監理制度與經營績效。本研究以問卷調查法進行實證分析,共計發放116份問卷,回收77份,扣除填答不完整等無效問卷9份,有效回卷率為58.6%。
本研究發現,國際監理原則及規定以及監理制度與銀行經營績效有相關;風險管理對國際監理原則及規定與銀行經營績效關係以及監理制度與銀行經營績效關係,有干擾效果;整體而言,以一元化監理制度下之台灣之經營績效較佳,其次為機構別監理制度下之香港、中央銀行監理制度下之新加坡。
因此,本研究建議政府應持續推動監理一元化,健全金融監理,改進行政效率,培養專業人才;業者應提升經營績效,強化經營體質,做好風險管理;共同建構穩定的金融環境與活絡的金融市場,以強化我國國際競爭力。
The research empirically examines managers' perception of international princi-ples, regulations for banking supervision and operating performance of banks, and explores the interference of risk management. In addition, it compares the supervisory systems and operating performance of banks among Taiwan, Hong Kong and Singapore.
The research is conducted via questionnaires survey to collect data for empirical analysis. Among 116 copies of questionnaires sent, 77 filled questionnaires were re-turned and after omitting 9 incomplete questionnaires, the total valid responding quan-tity is 68 and the rate is 58.6%.
The results of empirical analysis indicate that international principles and regula-tions for banking supervision and supervisory systems correlate to the operating per-formance of banks, and risk management has interference with the relationship of in-ternational principles and regulations for banking supervision and supervisory systems between the operating performance of banks. Generally, the operating performance of Taiwanese banks is the best, and that of Hong Kong banks is the second while that of Singaporean banks is the third.
Consequently, the research suggests that Taiwanese government continually pro-mote consolidated supervision, strengthen financial supervision, enhance administrative efficiency, bring up professionals and bankers improve performance, strengthen business quality, implement risk management to increase competitiveness.
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