本篇研究以台灣本土銀行為目標，資料期間為1996年1月至2016年12月。我們實證結果顯示當銀行處在相對競爭的情況下，公司會傾向降低對該銀行之貸款比例；當處在金融海嘯期間(2007~2009年)，銀行會降低其貸放的額度；另外，我們發現在金融海嘯期間，處在相對競爭的銀行會貸放較多的金額。我們另外探討了銀行對產業的金融傳染效果，彰化銀行對於十七種產業有傳染效果，若將銀行分為公股及民營，會發現公股銀行的傳染效果明顯大於民營銀行，而觀光業受到十間銀行的傳染效果影響，為被影響最劇烈的產業。另外，當考慮銀行的競爭程度後，有八間國內銀行對於全部的產業都具有傳染效果，包括高雄銀行、寶華銀行、彰化銀行、安泰銀行、遠東銀行、渣打銀行、合庫銀行及台灣企銀。

This study is aimed at domestic banks in Taiwan. Our sample consists of data from January 1996 to December 2016. Our empirical results show that when the bank is in a relatively competitive situation, the bank will tend to reduce the loan ratio of the bank; when it is during the period of Global Financial Crisis (2007~2009), the bank will reduce the amount of its loan. In addition, firms tend to borrow more from banks who operate in more competitive environment during Global Financial Crisis. We also discussed the financial contagion effect from the domestic banking sector. Changhua Bank spread contagion effects to 17 non-financial industries which is most among all the other domestic banks. If banks are divided into public shares and private enterprises, it will be found that the effect of public-bank banks is significantly greater than that of private banks. Tourism is the most contagious industry which are affected by 10 domestic banks. In addition, when considering the competition of banks, there are eight domestic banks that have contagious effects on all industries, including Bank of Kaohsiung, Bowa Commercial Bank (Bowa. BK), Changhua Bank, EnTie Commercial Bank (EnTie Bank), Far Eastern International Bank (Far Eastern Bank), Standard Chartered Bank, Taiwan Cooperative Bank (TCB Bank) and Taiwan Business Bank.

論文審定書 i
中文摘要 ii
英文摘要 iii
目錄 iv
表次 vi
第 一 章 前言 1
第 二 章 文獻回顧與探討 2
第 三 章 資料及研究方法 4
3.1模型：銀行與公司的關係 4
3.1.1公司及貸款的特徵 5
3.2模型：國內銀行之傳染效果 6
第 四 章 實證結果與分析 6
4.1公司和貸款特徵敘述統計 6
4.2變數之相關係數 7
4.3 銀行與公司關係之實證 8
4.4非金融產業及國內銀行敘述統計 9
4.5全球金融海嘯期間國內銀行傳染效果之實證 10
4.6國內銀行處於競爭時傳染效果之實證 11
第 五 章 結論 11
參考文獻 13

一、 中文部份
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