The following information was submitted:
Transactions: WSEAS TRANSACTIONS ON MATHEMATICS
Transactions ID Number: 32-552
Full Name: Ching-Hui Chang
Position: Associate Professor
Age: ON
Sex: Male
Address: 5 De-Ming Road, Gui-Shan District, Taoyuan 333
Country: TAIWAN
Tel: 886-3-350-7001ext.3250
Tel prefix:
Fax: 886-3-359-3873
E-mail address: chchang@mcu.edu.tw
Other E-mails: jjlinster@gmail.com
Title of the Paper: optimal bank interest margin and lending interference under partial nationalization: an option-pricing model
Authors as they appear in the Paper: Jyh-Horng Lin , Ching-Hui Chang, and Rosemary Jou
Email addresses of all the authors: lin9015@mail.tku.edu.tw,chchang@mcu.edu.tw,893560135@s93.tku.edu.tw
Number of paper pages: 10
Abstract: In a model where political interferences are recognized as partial nationalization, political lending intervention, and bank structure changes caused by state ownership, changes in political interferences have direct effects on the bank¡¦s optimal interest margin in the return to retail banking. Politicians are more likely to have incentives to take actions to induce favorable lending outcomes. From the political view, when the bank is forced to increase its lending amount, this targeted lending in accordance with equity maximization may be achieved by decreasing the degree of partial nationalization, by decreasing the degree of increasingly lending intervention, or by increasing the structural change caused by the state ownership holding in the volatility of loan repayments. Our findings provide alternative explanations for the product of both market forces and political interferences on the bank to increase its lending.
Keywords: Partial Nationalization, Political Interference, Structural Change, Retail Banking, Interest Margin
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