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系統識別號 U0002-1906201422532300
中文論文名稱 實證研究中國農業銀行分行績效:運用廣義估計方程式
英文論文名稱 The Empirical Study on Agricultural Bank of China Branch Performance with the Use of Generalized Estimating Equation Method
校院名稱 淡江大學
系所名稱(中) 國際企業學系碩士班
系所名稱(英) Master's Program, Department Of International Business
學年度 102
學期 2
出版年 103
研究生中文姓名 曾群元
研究生英文姓名 Chun-Yuan Tseng
學號 601550964
學位類別 碩士
語文別 中文
口試日期 2014-05-23
論文頁數 47頁
口試委員 指導教授-劉一成
中文關鍵字 中國農業銀行  多變項線性迴歸廣義估計方程式  商業銀行績效表現  空間分析 
英文關鍵字 Agricultural Bank of China  GEE method  commercial bank performance  spatial analysis 
中文摘要 本文目的為應用多變項線性迴歸廣義估計方程式方法(GEE Method Multiple Linear Regression),以兩項銀行產出變數:存款,放款等評估大型中國大陸銀行分行在地理分布及空間型態上績效之差異與演變。為求數據的一致與連貫性,本文選用中國大陸四大銀行之一且2012及2013年連續兩年排名全球第10大銀行:中國農業銀行為例,研究期間為1990年至2008年,2008年後省市數據不再公布。本文檢定出該行渤海區域與珠江三角洲等兩區域之分行績效差異並不顯著,僅次於績效高居六大區域首位之長江三角洲。分行績效不僅反映所在區域經濟發展程度之差異,亦呈現位於沿海分行績效普遍優於內陸分行,同時分行與總行間地理距離遠近有影響分行績效之傾向。該行在經營效率上,特別是位於中部,西部,東北部等三大區域分行距離總行北京較遠,績效明顯落後,勢需再加強提升,因應未來中國大陸銀行業加速開放後內外之競爭壓力。
英文摘要 This paper aims to assess the performance of China’s banks by their geographical distribution of loans and deposits , with the application of Generalized Estimating Equation (GEE) method’s multiple linear regression. We chose mainland China one of the four largest banks also is 2012 and 2013 for two consecutive years ranked the world's 10th largest bank, Agriculture Bank of China, with data from 1990 to 2008 as the sample bank. We identified that branches’ performances in the Yangtze River Delta ranked first and were followed by the Pearl River Delta. Different than that of the previous literature, the results further indicate that branches in economically well-developed regions were not necessarily better-performed during this period. The empirical evidence also implies that distance impacts performances between branches and their headquarters. We emphasize that China’s banks benefited greatly from the support of various government policies. The management efficiency of the ABC in the other four regions particularly the Bohai Sea and the Central regions with larger GDPs, needs to be strengthened with further deregulation of China’s banking industry and financial markets to domestic and international competition in the coming years. Overall the evidence provides insights into bank-specific management in efficient allocation of scarce resources and could contribute to inform government policy, as well as to improve managerial performance and research issues on this regard.
論文目次 謝 辭 I
中文摘要 II
英文摘要 III
目錄 V
圖表目錄 VI
第一章 緒論 1
第二章 文獻回顧 9
第三章 數據與研究方法 14
第四章 實證結果 19
第五章 結論 36
參考文獻 39

表 一 直轄市與省分隸屬六大區域分布圖 6
表 二 以GEE多變項線性迴歸法所得中國農銀各區域所有分行人幣放款績效 20
表 三 以GEE多變項線性迴歸法所得中國農銀各區域所有分行人民幣存款績效 25

圖表 一 本文之研究流程 8
圖表 二 1989至2010年各年度六大區域實際國民生產毛額總值變化走勢 31

參考文獻 一、中文部分

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