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系統識別號 U0026-2609201217052600
論文名稱(中文) The Effect of Bank Characteristics, Governance and Regulation on Bank Performance
論文名稱(英文) The Effect of Bank Characteristics, Governance and Regulation on Bank Performance
校院名稱 成功大學
系所名稱(中) 國際經營管理研究所碩士班
系所名稱(英) Institute of International Management (IIMBA--Master)
學年度 101
學期 1
出版年 101
研究生(中文) 奎若絲
研究生(英文) Sandra Quiros
學號 ra6987126
學位類別 碩士
語文別 英文
論文頁數 56頁
口試委員 召集委員-許永明
口試委員-鄭至甫
指導教授-張紹基
口試委員-黎明淵
中文關鍵字 none 
英文關鍵字 Risk  Bank Performance  Corporate Governance  Government Regulation  Profitability  Balanced Sheet 
學科別分類
中文摘要 none
英文摘要 This study focused on how corporate governance, government regulation, profitability and balanced sheets could be used as indicators of the overall performance of banks during the financial crisis. In addition, this study introduced literature of Panamanians banks.
Using balance sheet and income statements characteristics of Panamanians, Canadians and USA banks we find that banks with more deposits, liabilities and less liquidity perform better during the crisis. Using some index for Supervision, bank governance and country level regulation, we find that banks with powerful supervisors, more restrictions in their activities and shareholders friendly- boards perform worst during the crisis. Regarding country level governance it’s interesting that the stronger the regulations, the more the rule of law and less corruption, the worst performance during the crisis.
論文目次 TABLE OF CONTENTS
ABSTRACT ................................................................................................................... I
ACKNOWLEDGEMENTS .......................................................................................... II
TABLE OF CONTENTS ............................................................................................. III
LIST OF TABLES ....................................................................................................... VI
LIST OF FIGURES ................................................................................................... VII
CHAPTER ONE INTRODUCTION ............................................................................. 1
1.1 Research Motivation. ....................................................................................... 1
1.2 Research Objectives. ........................................................................................ 4
1.3 Research Contributions. ................................................................................... 5
1.4 Research Procedure. ......................................................................................... 5
1.5 The Structure of the Study. .............................................................................. 6
CHAPTER TWO LITERATURE REVIEW ................................................................. 8
2.1 Research Background. ..................................................................................... 8
2.1.1 The Subprime Credit Crisis of 2007. ................................................... 11
2.1.2 Persons Involved and Events Occurred during the Subprime Credit Crisis. ................................................................................................... 13
2.2 Banks Performance. ....................................................................................... 19
2.2.1 Performance Evaluation. ..................................................................... 19
2.2.2 Bank Level Governance. ...................................................................... 21
2.2.3 Country Level Regulation. ................................................................... 23
2.2.4 Profitability and Bank Balance Sheet. ................................................. 24
2.2.5 Hypotheses. .......................................................................................... 25
CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY ...................... 26
3.1 Research Design and Sample Selection. ........................................................ 26
3.2 Research Model. ............................................................................................ 28
3.3 Definitions and Measurements of Variables. ................................................. 30
3.3.1 Dependent Variable. ............................................................................ 30
3.3.2 Independent Variables. ........................................................................ 30
3.3.3 Control Variables. ................................................................................ 35
3.3.4 Dummy Variables. ............................................................................... 35
3.4 Data Analysis. ................................................................................................ 35
3.4.1 Equations. ............................................................................................ 37
CHAPTER FOUR RESULTS ..................................................................................... 38
4.1 Correlations. ................................................................................................... 38
4.2 Hypothesis Testing. ........................................................................................ 38
4.2.1 Hypotheses 1-3: Balanced Sheet and Income Statement Characteristics. .................................................................................... 38
4.2.2 Hypotheses 4-5: Banks Regulation and Supervision. .......................... 40
4.2.3 Hypotheses 6-7: Pro-Shareholders Boards. ........................................ 41
4.2.4 Hypotheses 8-9: Country Regulation. ................................................. 42
CHAPTER FIVE CONCLUSIONS ............................................................................ 48
5.1 Discussion. ..................................................................................................... 48
5.1.1 Academic Implications. ....................................................................... 48
5.1.2 Practical Implications and Suggestions. ............................................. 49
5.2 Limitations and Future Directions. ................................................................ 50
REFERENCES ............................................................................................................ 52
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