本研究以臺灣地區分行家數最多之合作金庫商業銀行為研究對象。期間自2007年至2010年止國內228家分行財務資料，以縱橫資料模型（Panel Data Model）與迴歸分析方法，分別藉由創新業務項目、分行經理與分行屬性等條件差異，以存款、放款、電子金融、理財、信託、外匯、人力資源等7個構面之變數來探討備抵後淨利率與非利息收入比率等2項獲利與創新經營績效指標之影響。
The power of the market reforms in Taiwan continually after financial industry liberalization. It causes the responses from the market is to stimulate the war of robbing customers and profit in the markets. There are three stages in this war. At the beginning, competitors are strenuous to enlarge their markets. Gradually, there are only the winners and losers. Lastly, the markets are integrated by the winner.
The domestic banks in Taiwan have the more opportunities to develop the new commodity and service after financial liberalization. The result of it causes is that the differences of the financial commodities are blurred. Then, the banks in Taiwan all have the chances to expand the market share of their target customers. On the other hand, it also brings a lot of new challenges for domestic banking. First, domestic banking has to compete with global banking. Second, the competition makes financial get less and less profits in traditional commodity. Third, they have to pursue higher satisfaction of customers. Fourth, after customers have more options, banks have to enlarge the scope of their merchandise, start more branches, raise their service quality, even decrease the income from the charge. The difficulties of management become tougher. Although the development of new financial commodity can be the new source of income, it could be the new risks.
The participants are the cooperative commercial banks which are the most branches in Taiwan in this study and analyze the financial data from 228 branches from 2007 to 2010. By the condition differences of innovation business items, bank manager and the characters of the branches and seven variables which are deposit, loan money, electronic finance, manage finance, trust, foreign exchange, human source to discuss the influences to the profit of Net Profit Margin and Non-interest Income, and the indication of innovation operational performance by using Panel Data Model and Regression analysis.
The conclusions of this research: First, the commodity innovation from the combination of insurance business and the credit business can prompt the ability of innovation of management, but also drop the ability of marking profit. Second, the service innovation of electronic finance can raise the ability of making profit. income from managing finance business can increase the ability of making profit and innovation management. Current deposit business can prompt the profit. Third, the staff movement of the branch managers drop the innovation management ability. The new-cooperative-bank Branches’ ability of innovation management has significantly higher than the others. Male managers show better than female managers in innovation management. Fourth, Foreign exchange business can prompt innovation management ability. The loans business drops the ability of making profit. The trust business drops the profit. The rest variables of the profit ability and innovation management ability for upgrade and downgrade are no significant. This study result can be the references of improving the direction of innovation management, organizing management goals and the performance assessment to the branches for the managers in the future.