英文摘要 |
We find the foreign-owned bank has a better operating performance and strategy than local banks in Taiwan. Because, under an unfair competitive base, the foreign banks in Taiwan still have a more than profit local banks of profit. Show they have a unique advantageous position. The purpose of this study is to discuss the influence factor for efficiencies of foreign bank. We would discuss the foreign-banks of important financial index by using factor analysis and principal analysis. We will find the key factors in foreign banks of efficiency.Then it can to be divided into three categories: American、European、Asian types in operationmode. We also discuss the different kind of bank that has a using strategic. This study of shows the foreign bank of important financial index has six items. They’re included and ranked as follows. Operation income of growth rate factor, Assets quality factor, Capital factor, Earnings factor, Support risk ability factor and Loan of growth rate factor. In difference bank system, we compare the common factor in the difference bank system. The empirical results show that the American bank system has to place much ability on support risk ability. Other hand, the Asian bank system than emphasize operating income and loan of growth rate. The assets size factor is not significantly, shown the big bank is not sure better bank; the loan service revenue factor is negative; we consider the banks should to move fee income business. |