English  |  正體中文  |  简体中文  |  Items with full text/Total items : 43312/67235
Visitors : 2106680      Online Users : 2
RC Version 5.0 © Powered By DSPACE, MIT. Enhanced by NTU/NCHU Library IR team.
National Chung Hsing University Institutional Repository - NCHUIR > 農業暨自然資源學院 > 應用經濟學系 > 依資料類型分類 > 碩博士論文 >  銀行分支機構技術效率與生產力變動之研究:以國內某銀行為例

Please use this identifier to cite or link to this item: http://nchuir.lib.nchu.edu.tw/handle/309270000/155044

標題: 銀行分支機構技術效率與生產力變動之研究:以國內某銀行為例
The Study on Technical Efficiency and Productivity Change of Bank Branch:A Case of Domestic Bank
作者: 朱惠美
Ju, Hwei-Mei
Contributors: 黃炳文
Biing-Wen Huang
應用經濟學系所
關鍵字: 資料包絡分析法;Malmquist生產力指數;生產力;效率
Data Envelopment Analysis;Malmquist Index;Productivity;Efficiency
日期: 2013
Issue Date: 2013-11-21 11:31:46 (UTC+8)
Publisher: 應用經濟學系所
摘要: 銀行業經營績效之良窳對整個社會穩定與國家總體經濟展望有極深遠的影響,每家銀行經營成效,視所屬各分行經營效率而定,因之,各銀行管理階層為提昇整體經營績效以提升競爭力,對於分行經營效率的考核十分重視。
本研究應用資料包絡分析法(Data Envelopment Analysis,DEA),針對國內某銀行2010年至2012年3個年度所屬144家分行之營運資料,衡量各分行的經營效率,並輔以動態模型 Malmquist 生產力指數,衡量各評估單位在不同時期的生產力變動情形,並將其分解成效率變動及技術效率變動,以探討生產力變動的原因;另對效率及生產力分別作簡單的Tobit迴歸分析,探討影響效率及生產力的外在因素。
結果顯示:(一)2010~2012年,在144個受評單位中,3年平均效率值相對有效率者僅29家分行,比率為20.37%,相對缺乏效率者共115家分行,比率高達79.63%。(二)在分行的生產力指數變動分析方面,在2010至2011年總要素生產力指數變動呈現成長的情況,其中主要原因來自於效率成長;到了2011至2012年發現總要素生產力指數變動呈現衰退,主要原因來自於技術效率衰退。(三) 在迴歸分析上,外匯承作金額、財富管理及利息收入與技術效率、純粹技術效率、規模效率及生產力指數均為正相關,逾放比則和效率及生產力成負相關。
The business performance of the banking industry has profound impact to the stability of the society and the prospect of the nation’s macroeconomic. Every bank’s business performance depends on each of its branch’s operating efficiency; hence, for enhancing the overall business performance to increase the competitiveness, all banks’ management levels attach great importance to the evaluation of branch operating efficiency.
This study applies the Data Envelopment Analysis (DEA) in the evaluation of branch operating efficiency for 144 branches of a certain domestic bank across 3 years from 2010 to 2012. The analysis is assisted with the dynamic model Malmquist Index to evaluate the variation of the index under different time frames and to break it down into efficiency variation and technical efficiency variation for the study of the causes of productivity variations. In addition, simple Tobit regression analysis is conducted respectively to efficiency and productivity for the study of external factors affecting efficiency and productivity.
The result indicates (1) from 2010 to 2012, within the 144 evaluated units’ 3-years average efficiency ratings, only 29 branches are relatively efficient with a ratio of 20.37%; 115 branches are relatively inefficient with a ratio of 79.63%; (2) for branch productivity index variation analysis, the variation of the total factor productivity index shows growth from 2010 to 2011 and within which the main drive stems from the efficiency growth; and from 2011 to 2012, the variation of the total factor productivity index turns out to have declined and within which the main drive stems from the decline of the technical efficiency; (3) in the regression analysis, the foreign exchange undertaking amount, wealth management, interest income, technical efficiency, pure technical efficiency, scale efficiency, and productivity index are all positive correlated and the overdue loan ratio, on the other hand, is negatively correlated to efficiency and productivity.
Appears in Collections:[依資料類型分類] 碩博士論文

Files in This Item:

File SizeFormat
index.html0KbHTML120View/Open


 


學術資源

著作權聲明

本網站為收錄中興大學學術著作及學術產出,已積極向著作權人取得全文授權,並盡力防止侵害著作權人之權益。如仍發現本網站之數位內容有侵害著作權人權益情事者,請權利人通知本網站維護人員,將盡速為您處理。

本網站之數位內容為國立中興大學所收錄之機構典藏,無償提供學術研究與公眾教育等公益性使用。

聯絡網站維護人員:wyhuang@nchu.edu.tw,04-22840290 # 412。

DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU/NCHU Library IR team Copyright ©   - Feedback