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來源文獻資料
摘要
外文摘要
引文資料
題名:
檢視金融機構管理有效性之研究
書刊名:
人文與社會學報
作者:
張志雄
/
田瑞駒
/
王俊雄
/
黃呈偉
作者(外文):
Chang, Chih-hsiung
/
Tien, Jui-chu
/
Wang, Chun-hsiung
/
Chuang, Cheng-wei
出版日期:
2015
卷期:
3:4
頁次:
頁67-87
主題關鍵詞:
資訊不對稱
;
結構性轉變
;
信用卡卡債
;
金融機構管理
;
Asymmetric information
;
Structural changes
;
Credit card debt
;
Financial institutions management
原始連結:
連回原系統網址
相關次數:
被引用次數:期刊(0) 博士論文(0) 專書(0) 專書論文(0)
排除自我引用:0
共同引用:0
點閱:21
從公營與民營銀行相關資料顯示,資訊不對稱現象確實存在於國內信用卡市場,而主管機關也曾為減輕資訊不對稱而努力,因此才會有債務協商機制與消費者債務清理條例的提出。然而,經由對信用卡有效卡數、逾放比、循環信用餘額、預借現金、發卡數和停卡數之六個變數所建立的 ARMA模型,進行移動式 Chow檢定與 CUSUM檢定後,卻發現結構性轉變並不如預期般的出現。顯然,面對當時日益嚴重的卡債問題,主管機關雖也曾力圖有所作為,但實證結果卻顯示政策執行幾乎全無效果可言。換句話說,面對依然存在的信用卡卡債問題,主管機關應有更積極有效的對策因應,否則被指為施政不力,甚至背負放任信用卡市場資訊不對稱現象並導致卡債問題惡化的始作俑者,也不無可能。職責所在,主管機關實已責無旁貸。
以文找文
According to the information we collect from our public and private banks, we find that asymmetric information phenomenon does exist in the domestic credit card market. We also find that the authority ever did try to mitigate the asymmetric information in the credit card market. That is why we can see “The self-discipline debts consultative and control mechanism” in November 2005 and “Regulation of theconsumer debt clearance” in June 2007. However, after we construct ARMA model on six related variables in credit cards, and test it by Chow and CUSUM tests, the structural changes almost vanish unexpectedly. Apparently, facing the problem of credit card debts even worse, the authority may try to do something helpful, but in vein finally. In other words, it’s true that the problem of credit card debts remains being. To solve the problem, the authority should have to employ strategies or policies more active. Otherwise, it’s hard for the authority to say that there is no responsibility for all the results. This is the job and responsibility that the authority has to afford, but never escapes from.
以文找文
期刊論文
1.
Hansen, Bruce E.(2001)。The New Econometrics of Structural Change: Dating Breaks in U.S. Labor Productivity。Journal of Economic Perspectives,15(4),117-128。
2.
Adachi, Kenji、Liu, Donald J.(2009)。Estimating Long-Run Price Relationship with Structural Change of Unknown Timing: An Application to the Japanese Pork Market。Amer. J. Agr. Econ.,91(5),1440-1447。
3.
Agarwal, Sumit、Chomsisengphet, Souphala、Liu, Chunlin(2010)。The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations。Journal of Money, Credit and Banking,42(4),743-754。
4.
Dionne, Georges、Doherty, Neil A.(1994)。Adverse Selection, Commitment, and Renegotiation: Extension to and Evidence from Insurance Markets。Journal of Political Economy,102(2),209-235。
5.
Kudoh, Noritaka(2007)。Unemployment Policies in an Economy with Adverse Selection。Bulletin of Economic Research,59(2),179-196。
6.
Lofgren, Karl-Gustaf、Persson, Torsten、Weibull, Jorgen W.(2002)。Markets with Asymmetric Information: The Contributions of George Akerlof, Michael Spence and Joseph Stiglitz。The Scandinavian Journal of Economics,104(2),195-211。
7.
Suciu, Marta Christina、Piciorus, Luciana、Imbrisca, CosminIonut(2011)。Implications of Asymmetric Information in the Real Estate Crisis in U.S.。Theoretical and Applied Economics,18(1),173-188。
8.
Sun, Chia-Hung(2008)。Asymmetric Information and Returns to Reputation in Online Autions。The Manchester School,76(3),336-348。
9.
Tumay, Meltem(2009)。Asymmetric Information and Adverse Selection in Insurance Markets: The Problem of Moral Hazard。Yönetim ve Ekonomi,16(1),107-114。
10.
Uctum, Merih、Thurston, Thom、Uctum, Remzi(2006)。Public Debt, the Unit Root Hypothesis and Structural Breaks: A Multi-Country Analysis。Economica,73,129-156。
11.
Akerlof, George A.(1970)。The Market for "Lemons": Quality Uncertainty and the Market Mechanism。The Quarterly Journal of Economics,84(3),488-500。
12.
Dickey, David A.、Fuller, Wayne A.(1979)。Distribution of the Estimators for Autoregressive Time Series With a Unit Root。Journal of the American Statistical Association,74(366),427-431。
研究報告
1.
Bhattacharyya, Nalinaksha(2004)。Student Evaluations and Moral Hazard。University of Manitoba。
2.
Cutts, Amy Crews、Van Order, Robert A.、Zorn, Peter M.(2001)。Adverse Selection, Licensing and the Role of Securitization in Financial Market Evolution, Structure and Pricing。Housing Economics and Financial Research。
3.
Dey, Shubhasis、Mumy, Gene(2009)。Determinants of Borrowing Limits on Credit Cards。Bank of Canada。
4.
Garleanu, Nicilae、Pedersen, Lasse Heje(2003)。Adverse Selection and Re-Trade。Department of Finance。
5.
Vesala, Timo(2004)。Asymmetric Information in Credit Markets and Entrepreneurial Risk Taking。Bank of Finland。
圖書
1.
Cecchetti, Stephen G.(2006)。Money, Banking and Finacial Markets。McGraw-Hill Education。
2.
Lewis, Gregory(2010)。Asymmetric Information, Adverse Selection and Online Disclosure: The Case of eBay Motors。National Bureau of Economic Research, Harvard University。
3.
Box, G. E. P.、Jenkins, G. M.、Reinsel, G. C.(1976)。Time Series Analysis: Forecasting and Control。San Francisco:Holden-Day。
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