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The effect of foreign bank presence on the performance of Puerto Rico commercial banks (Spanish text).

机译:外资银行的存在对波多黎各商业银行业绩的影响(西班牙语)。

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摘要

The objective of this dissertation is to analyze the effect of foreign bank presence on Puerto Rico commercial banks' financial performance. Empirical data consist of annual financial data from the Federal Deposit Insurance Corporation's Statistics on Depository Institutions Database, for the years 1992 through 2003. These data were used to estimate different linear statistical models for several bank performance measures. The results for three estimation methods---ordinary least squares, least squares with heteroscedasticity corrected standard errors and robust regression---consistently, show that greater foreign bank presence was linked to a decrease in competition (greater return on assets) and a reduction in efficiency (greater noninterest expense ratio) for Puerto Rico banks, whether domestic or foreign. It is recommended that future research and analysis be done to obtain a deeper understanding of Puerto Rico's banking system.
机译:本文的目的是分析外资银行的存在对波多黎各商业银行财务业绩的影响。经验数据由联邦存款保险公司的“存款机构统计数据库”提供1992年至2003年的年度财务数据。这些数据用于估计几种银行绩效指标的不同线性统计模型。三种估算方法的结果-普通最小二乘,具有异方差校正的最小二乘校正标准误差和稳健回归-一致地表明,外资银行的存在与竞争的减少(资产收益率的提高)和收益的减少有关。波多黎各国内或国外银行的效率(更大的非利息费用比率)。建议进行进一步的研究和分析,以更深入地了解波多黎各的银行体系。

著录项

  • 作者

    Berrios Pagan, Myrna R.;

  • 作者单位

    University of Puerto Rico, Rio Piedras (Puerto Rico).;

  • 授予单位 University of Puerto Rico, Rio Piedras (Puerto Rico).;
  • 学科 Business Administration Banking.
  • 学位 Ph.D.
  • 年度 2006
  • 页码 177 p.
  • 总页数 177
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 金融、银行;
  • 关键词

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