[[alternative]]The Impacts of Wealth Management Revenues on Bank Performance and Risk: Empirical Study on Taiwanese Banking Industry

[[abstract]] 本研究擬使用台灣經濟新報(TEJ)之銀行財務資料庫，探討1997年至2015年共19年間台灣地區本國一般銀行(含金融控股公司下的銀行而非金融控股公司)與中小企業銀行為財富管理業務收入對經營績效與風險的影響。本文實證結果如下銀行積極拓展財富管理業務進而增加手續費收入比率，對經營績效具正向顯著的效益，同時也降低、分散經營風險。銀行規模的差異對銀行的績效與風險也有顯著的影響，對績效而言，中、小銀行對ROA、ROE有正向顯著的效益，大銀行對ROA有正向的影響。對風險而言，小銀行顯著的降低備抵呆帳比率，中銀行對Z分數、逾放比率、備抵呆帳比率皆有正向顯著的影響，大銀行對Z分數、逾放比率有正向顯著的影響。[[abstract]] Using the TEJ database of yearly data on commercial banks in Taiwan from 1997 to 2015, this thesis empirically investigates the impacts of wealth management revenues on bank performance of returns and risk. The empirical findings indicate that bank actively engaging the wealth management services would significantly enjoy the significant positive benefit on their returns while reducing the risk. Regarding the differential bank size, small banks with higher ratio of wealth management revenues significantly increase the ROA and ROE, while small banks also reduce the risk for NPL