以財務指標分析銀行業的競爭優勢

Abstract

The late 2000s financial crisis seriously damaged banking industry worldwide. Although many banks collapsed, were acquired under compulsion, or were restrained by government takeover, numerous banks survived and continued to provide financial services to customers. This paper intends to discover the resource configurations of strategic groups consisting of the banks surviving the global financial crisis and propose business strategies for them. By means of factor analysis, we extract five resource configurations from nine financial indicators as follows: customer relationship advantage, organization management ability, asset management ability, risk management ability, and liability management capacity. After that, we put cluster analysis into use to classify those banks into three strategic groups as given in the list below: default risk management reinforced cluster, profit oriented cluster, and conservative business cluster. Next, we discover that profit oriented cluster and default risk management reinforced cluster present remarkable financial performance arising from their distinguished competitive advantage.

The late 2000s financial crisis seriously damaged banking industry worldwide. Although many banks collapsed, were acquired under compulsion, or were restrained by government takeover, numerous banks survived and continued to provide financial services to customers. This paper intends to discover the resource configurations of strategic groups consisting of the banks surviving the global financial crisis and propose business strategies for them. By means of factor analysis, we extract five resource configurations from nine financial indicators as follows: customer relationship advantage, organization management ability, asset management ability, risk management ability, and liability management capacity. After that, we put cluster analysis into use to classify those banks into three strategic groups as given in the list below: default risk management reinforced cluster, profit oriented cluster, and conservative business cluster. Next, we discover that profit oriented cluster and default risk management reinforced cluster present remarkable financial performance arising from their distinguished competitive advantage.