論文名稱：國際化對銀行經營績效的影響－以四家本國商業銀行為例校所名稱：東海大學高階經營管理碩士在職專班（研究所）畢業時間：2019年6月研究生：黃萬水 指導教授：張永和博士論文摘要：金融業在1980年以前一直是由政府主導發展，在高度的監理下，銀行的經營相當地保守。近年來，由於銀行全球化時代來臨，台灣企業基於市場、生產成本、材料供應以及顧客需求等因素，逐漸進行不同國家之經營，以提升競爭力、並追求利潤。銀行業也是如此，在所服務的產業外移、國內同業的競爭白熱化、政府的政策鼓勵下，金融機構積極走出台灣，因此銀行自由化與國際化逐漸引領風潮。本論文旨在研究，國際化程度是否影響銀行之經營績效，選取2012年到2017年4家本國商業銀行資料進行整理，以多元迴歸模型加以估計、分析、解釋估計結果。國際化指標方面，以海外收益占總收益比率、海外資產占總資產比率等國際化變數加以衡量；銀行績效則以資產報酬率（Return On Asset，ROA）與股東權益報酬率（Return On Equity，ROE）衡量。實證結果顯示，海外收益占總收益的比率越高，銀行經營績效愈好，亦即國際化程度對銀行經營績效有正面的助益。 Title of Thesis：The Effects of Internationalization on Bank Performance：Cases of 4 Domestic Commercial BanksName of Institute：Tunghai University Executive Master of Business Administration ProgramGraduation Time：（June/2019）Student Name：Huang Wan-Shui Advisor Name：Dr.Chang Yung-HoAbstract：Before 1980, the financial sector in Taiwan was under a stricter supervision system led by the authority. The business strategies of banking industry thus were more conservative. However, as entering the era of bank globalization, many Taiwan industries become internationalized to seek for foreign markets, cost reductions, raw material supply and clients’ demands for being more competitive and making better profits. To support offshore companies and increasing oversea business activities, with the encouragement of government policy, financial institutions more toward internalization and liberalization as well. This study focuses on the effects of internationalization on bank performance: 4 domestic commercial banks are selected to collect their data from 2012 to 2017 for multiple regression analysis. Variables indicating the degree of internationalization are measured by foreign income as a percentage of total income and foreign assets as a percentage of total assets. Variables that represent bank performance are measured by return on asset (ROA) and return on equity (ROE). The finding suggests that the effect is positive: the higher foreign income ratio, the better bank performance. In other words internalization enhances bank performance.
