影響我國銀行資本結構因素之研究

Abstract

本研究的目的有二，首先，檢定我國公民營銀行間以及存保與未存保 銀行間之資本結構是否有顯著的差異。其次，分別檢定公民營銀行以及存 保與未存保銀行受到各因素影響程度的不同。研究結果顯示，不論是對何 種形態的銀行，資本管制，資產流動性以及資產報酬率三項因素對資本結 構的影響，都符合理論上的預期且在統計上是顯著的。 There are two purposes of this study: first, to test whether there issignificant difference in capital ratios between public and private bnaks,at the same time, to test the difference between insured and uninsured banks. Second, this study examines the determinants of capital ratios foreach type of banks. The results reveal that there are significant difference in capital ratiosbetween public and private banks and so do the insured and uninsured banks.For each type of banks three determinants - capital regulation, assets liquidity, andreturn on assets, are significant and conform to the theoretical expectations.