在金融環境不穩定的狀態下,相對科技成本,銀行增加對人力資源的投資使

零售銀行減少違約風險並增加銀行利差。增加監管障礙導致的銀行權益報酬轉移

至聯邦存款保險公司增強了上述增加人力資源的投資對兩項影響的關係。人力資

源的投資在存款保險基金政策的保護下,使銀行在面對風險承擔的決策上更為謹

慎,增加金融環境的穩定性。

Increasing investment in human resource relative to information technology system in retail banking delivery channels increases the optimal bank interest margin and decreases the default risk in the bank’s equity returns during a financial crisis. Raising the regulatory barrier inducing a wealth transfer from shareholders to the Federal Deposit Insurance Corporation reinforces both the effects above. Human resource investment with regulatory deposit insurance fund protection as such make the distressed bank more prudent to risk-taking, thereby contributing to the stability of the banking system.

目錄

謝辭........................................................................................................I

中文摘要.................................................................................................II

英文摘要................................................................................................III

目錄......................................................................................................IV

圖表目錄................................................................................................V

Chapter 1 Introduction .........................................................................1

Chapter 2 The model.............................................................................3

Chapter 3 Solution and results..............................................................6

Chapter 4 Conclusion..........................................................................12

References..........................................................................................13

圖表目錄

Table 1: Values of SC, DIC, and DOC....................................................8

Table 2: Responsiveness of optimal bank interest margin and default risk to delivery channel choices at various levels of regulatory barrier........9

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