Basic Search / Detailed Display

Author: 廖敬涵
Ching-Han Liao
Thesis Title: 普惠金融於臺灣銀行業經營績效之影響
The Effect of Financial Inclusion on the Financial Performance of Domestic Banks in Taiwan
Advisor: 謝劍平
Joseph C.P. Shieh
Committee: 陳俊男
Chun-Nan Chen
鄭仁偉
Jen-Wei Cheng
林軒竹
Hsuan-Chu Lin
Degree: 碩士
Master
Department: 管理學院 - 財務金融研究所
Graduate Institute of Finance
Thesis Publication Year: 2023
Graduation Academic Year: 111
Language: 英文
Pages: 39
Keywords (in Chinese): 普惠金融臺灣銀行業盈利能力流動性財務結構資產品質縱橫資料迴歸模型
Keywords (in other languages): financial inclusion, Taiwan's banking industry, profitability, liquidity, financial structure, asset quality, panel data analysis
Reference times: Clicks: 321Downloads: 1
Share:
School Collection Retrieve National Library Collection Retrieve Error Report
  • 普惠金融是聯合國在2005年提出的金融服務概念,其精神是營造更加普及、平等的金融服務,讓金融服務不再只是服務少數有錢人,可以弭平貧富差距,是未來全球金融發展的趨勢與願景。近年來銀行業積極推動普惠金融,為強化金融包容性,期以完善以人為本的金融環境,促進社會福祉,亦為近日學術界所研究之關鍵議題。本研究檢測銀行經營績效受普惠金融指標之影響,以臺灣35家銀行為樣本,蒐集2018年01月01日至2022年12月31日之數據,並利用縱橫資料迴歸模型,分別檢測銀行的盈利能力、流動性、財務結構、和資產品質,受普惠金融的正面或負面影響。


    Financial inclusion is a financial service concept proposed by the United Nations in 2005. The spirit of the concept is to create more universal and equal financial services, so that financial services no longer only serve the rich and the poor, but also bridge the gap between the rich and the poor, which is the future trend and vision of global financial development. In recent years, the banking industry has been actively promoting financial inclusion in order to improve the people-oriented financial environment and enhance social well-being, which is also a key issue for academic research recently. This study examines the impact of banks' financial performance on financial inclusion indicators by using a sample of 35 banks in Taiwan to collect data from January 01, 2018 to December 31, 2022, and a panel data regression model to examine the positive or negative impact of banks' profitability, liquidity, financial structure, and asset quality on financial inclusion.

    誌謝 I 摘要 II Abstract III Table of Content IV List of Tables V List of Figures VI 1. INTRODUCTION 1 1.1 Background 1 1.2 Purpose 4 1.3 Study Structure 5 2. LITERATURE REVIEW 7 2.1 Financial Inclusion 7 2.1.1 Definition of Financial Inclusion 7 2.1.2 Measuring Financial Inclusion 9 2.2 Previous Research 13 3. METHODOLOGY 15 3.1 Data Collection 15 3.2 Research Population and Sampling 16 3.3 Variables 16 3.3.1 Dependent Variables 16 3.3.2 Independent Variables 19 3.4 Data Analysis 21 4. RESULT AND ANALYSIS 24 4.1 Descriptive Statistics 24 4.2 Empirical Results 27 4.2.1 Multicollinearity Test 27 4.2.2 Panel Data Regression 30 4.2.3 Hypothesis Result 31 5. CONCLUSIONS AND RECOMMENDATIONS 34 5.1 Conclusions 34 5.2 Limitations 36 5.3 Recommendations 36 REFERENCES 37

    Agarwal (2010), Financial Inclusion: Challenges & Opportunities, 23rd Skoch Summit 2010.
    Baltagi, B.H. (2008) Econometric Analysis of Panel Data. John Wiley & Sons Ltd., Chichester.
    Berger, A.N., Leusner, J.H., & Mingo, J.J. (1997). The efficiency of bank branches.
    Bernini, C., & Brighi, P. (2017). Bank branches expansion, efficiency and local economic Growth. Regional Studies, 1-14
    Chakrabarty, K.C. (2010), Financial Inclusion and Banks: Issues and Perspectives, Reserve Bank of India.
    Creswell, J. W. (2012). Qualitative inquiry & research design: Choosing among five approaches (4th ed.). Thousand Oaks, CA: Sage.
    Damodaran, Akhil, M., Sagar (2016). Financial Inclusion: Issues and Challenges.
    Dittus, P., & Klein, M.U. (2011). On harnessing the potential of financial inclusion.
    Dupas, P., & J. Robinson (2013), ‘Why Don’t the Poor Save More? Evidence from Health Savings Experiments’, American Economic Review, 103(4), pp.1138–71.
    Fraenkel, J. R., & Wallen, N. E. (2006). How to design and evaluate research in education (6th ed.). New York, NY: McGraw-Hi
    Global partnership for financial inclusion (GPFI). G20 financial inclusion indicators, 2021. Retrieved from http://www.gpfi.org/
    Gujarati, D. N. (2004). Basic Econometrics. The Mcgraw-Hill Companies.
    Hannig, & S. Jansen. 2010. Financial Inclusion and Financial Stability: Current Policy Issues. ADBI Working Paper 259. Tokyo: Asian Development Bank Institute.
    Harimaya, K., & Kondo, K. (2012). The effects of branch expansion on bank efficiency: Evidence from Japanese regional banks. Managerial Finance, 42(2). 23-33.
    Hasanov, Fakhri & Bayramli, Nigar & Al-Musehel, Nayef. (2018). Bank-Specific and Macroeconomic Determinants of Bank Profitability: Evidence from an Oil- Dependent Economy. International Journal of Financial Studies. 6. 78. 10.3390/ijfs6030078.
    Hayton, K., Percy, V., Latimer, K. & Chapman, M. (2007) A summary of evidence about financial inclusion in Scotland using analysis from the Scottish Household Survey and other sources. Scottish Government.
    Hensel, N.D. (2003). Strategic management of cost efficiencies in networks: Cross‐country evidence on european branch banking. European Financial Management, 9(3), 333-360.
    Hirtle, B. (2007). The impact of network size on bank branch performance. Journal of Banking & Finance, 31(12), 3782-3805.
    Holden, Ken & El-Bannany, Magdi. (2004). Investment in Information Technology Systems and Other Determinants of Bank Profitability in the UK. Applied Financial Economics. 14. 361-365. 10.1080/0960310042000211623.
    Kim, Dai-Won & Yu, Jung-Suk & Hassan, M. Kabir, 2018. "Financial inclusion and economic growth in OIC countries," Research in International Business and Finance, Elsevier, vol. 43(C), pages 1-14.
    Kumar, Vijay, Sujani Thrikawala, Sanjeev Acahrya. (2021), Financial inclusion and bank profitability: evidence from a develop market, Global Finance Journal.
    Manji, A. (2010). Legislation and reports, 73 (June), 985–1004
    Nguyen, H.L.Q. (2014). Do bank branches still matter? The effect of closings on local economic outcomes. Department of Economics, Massachusetts Institute of Technology, Cambridge, MA
    OECD (2020), Advancing the Digital Financial Inclusion of Youth, https://www.oecd.org/daf/fin/financial-education/advancing-the-digital- financial-inclusion-of-youth.htm
    Oranga, O. J., & Ondabu, I. T. (2018). Effect of financial inclusion on financial performance of banks listed at the Nairobi securities exchange in Kenya. International Journal of Scientific and Research Publications, 8(5), 624-649.
    Ozdemir, Karakurum, Kamer (2015). Financial Literacy in Developing Countries.
    Park, Cyn-Young & Mercado, Rogelio, Financial Inclusion: New Measurement and Cross-Country Impact Assessment (March 2018). ADBI Working Paper 539.
    Prina, S. (2015), ‘Banking the Poor Via Savings Accounts: Evidence from a Field Experiment’, Journal of Development Economics, 115, pp.16–31.
    Sahrawat, R.,(2010), Financial Inclusion From Obligation to Opportunity, Tata Consultancy Service Ltd
    Sarma, M., & Pais, J. (2011). Financial inclusion and development: A cross country analysis. In Annual Conference of the Human Development and Capability Association, New Delhi, (10–13), 1– 30. http://doi.org/10.1002/jid
    Serrao, M., A.H. Sequeira & B.V. Hans (2012)., Designing a Methodology to Investigate Accessibility and Impact of Financial Inclusion (March 18, 2012). http://dx.doi.org/10.2139/ssrn.2025521
    Shihadeh, Fadi & Liu, Bo. (2019). Does financial inclusion influence the banks risk and performance? Evidence from global prospects. Academy of Accounting and Financial Studies Journal. 23. 1-12.
    Shihadeh., F.H., & Hannon, A., Guan, J., Ul Haq I., & Wang X. (2018). Does Financial Inclusion Improve the Banks’ Performance? Evidence from Jordan, in John W. Kensinger (ed.) Global Tensions in Financial Markets (Research in Finance, Volume 34) Emerald Publishing Limited, 117-138.
    T. Goland, J. Bays, & J. Chaia, (2010), From millions to billions: Achieving full financial inclusion, McKinsey & Company.
    Thorat, Usha (2006): ‘Financial Inclusion and Millennium Development Goals’, RBI Bulletin, February.
    Unnikrishnan, R., & Jagannathan, L. (2015). Unearthing global financial inclusion levels and analysis of financial inclusion as a mediating factor in global human development. Serbian Journal of Management, 10(1), 19–32. http:// doi.org/10.5937/sjm10-5363
    World Bank. (2022). Financial inclusion. http://www.worldbank.org/

    無法下載圖示
    Full text public date 2028/07/23 (Internet public)
    Full text public date 2028/07/23 (National library)
    QR CODE