Research On The Impact Of Financial Regulation On Bank Performance: Taiwan Experience And Its Revelation

With the increasingly deepening of the development of international financial markets, financial regulation also more obvious influence on the performance of commercial Banks. At present, the financial supervision and regulation of our country commercial bank performance influence question research, has become a financial system deepening reform, the key link to realize the sustainable development of the financial sector. Research on commercial Banks and financial regulation relationship, not only helps the regulators of commercial Banks on the performance level of the banking industry make accurate judgment, can further improve and complement the domestic and foreign commercial Banks performance research of theory and methods, to achieve the effective allocation of social resources and optimization, promote the transformation of commercial bank development pattern and the sustainable development of the domestic banking sector.In this paper, in reference to the international financial regulatory development pattern and the bank performance investigation, on the basis of concrete practice, focus on financial regulation and bank performance in Taiwan’s internal relations, through theoretical analysis and a large number of empirical test to prove the financial supervision and regulation of banking, bank in Taiwan characteristics and control variables for the influence of the relationship between bank performance level. Finally, combining with the experience in Taiwan, the status quo of performance in China’s banking industry and financial regulatory issues has carried on the deep analysis, and targeted to speed up the domestic financial regulatory reform, promoting the effective strategy of commercial bank performance.First, this article system studies the theoretical basis of the financial regulatory influence bank performance, then focuses on the evolution of international financial regulation, and deeply analyze the financial supervision and financial institutions gradation change between commercial Banks performance, focusing on the basis of the practice of seeking to conform to the current banking industry development trend and theoretical framework.Secondly, this paper discussed under the implementation of financial regulation of banking industry in Taiwan, analyze the index of financial regulation, Banks characteristic indexes and the correlation between bank performance, through the analysis of concrete present situation, combining with the data model, using the empirical performance characteristic of the specific changes of banking industry in Taiwan.Finally, financial regulation and performance of commercial bank in Taiwan, this paper changes of related experience, focus on mainland commercial Banks performance characteristic and the development status quo of financial regulation, financial regulation and the problems existing in the performance between the commercial Banks, and based on this, advances in the field of mainland financial regulatory reform direction and need to take relevant measures.