Operating Performance Evaluation Based on Z-score Model and Profitability between Cross-Straits Credit Cooperatives
Journal Title: Review of Economics & Finance - Year 2017, Vol 10, Issue 4
Abstract
This paper extends the literature evaluating credit cooperatives practices for two sides of Taiwan Strait. It finds evidence of different regulations and systems between cross-straits credit cooperatives resulting in the different profitability. The profitability is significantly and positively related with ratio of loan to deposit and with the capital structure, but is negatively associated with loan growth rate for Chinese rural credit cooperatives. The higher total asset turnover and ratio of loan to deposit lead to the better profitability and operating performance while the increasing operating expense ratio decreases with the profitability for Taiwanese credit cooperatives.
Authors and Affiliations
Kuei-Chiu Lee, Wun-Hong Su, Chien-Yen Liu
Keywords
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