應用二階段資料包絡分析法於農會信用部經營績效之研究－以高屏地區農會為例

A Study of the Operating Performance of the Credit Departments of Farmers' Associations Using Two-stage Data Envelopment Analysis-A Case Study of the Farmers' Associations in the Kaohsiung-Pingtung Area

李應坼(Should Crack Lee) ； 林明宏(Ming-Hong Lin) ； 黃瑞吉(Jui-Chi Huang) ； 彭克仲(Ke-Chung Peng)

《台灣農學會報》 15卷3期 (2014/09) Pp. 297-323

https://doi.org/10.6730/JAAT.201409_15(3).0004

摘要

本研究主要探討農會信用部的經營績效，採用二階段資料包絡分析法（Two-Stage Data Envelopment Analysis）評估其經營效率，並從獲利能力與市場能力的觀點分析，高屏地區44家農會信用部之經營績效。本研究經實證分析探討後：高屏地區44家農會信用部在經營效率分析：獲利能力仍有36.3%的農會信用部未能充分利用資源，市場能力有九成競爭力較薄弱，獲利能力方面區域限制及設立時間前後皆未達顯著差異，市場能力方面在設立時間前後達顯著差異，造成高屏地區農會信用部技術（TE）無效率原因皆是純技術（PTE）無效率所產生，經營類型以獲利能力高但市場能力較低之農會信用部有23家，其次獲利能力且市場能力皆較高有10家，表示農會信用部在競爭激烈的金融市場相對薄弱，最後影響高屏地區農會信用部獲利能力因素為營業費用為最大，影響市場能力因素則以營業收入較大。

關鍵字

二階段資料包絡分析法 ； 農會信用部 ； 經營績效

並列摘要

This study explores the operating performance of the credit departments of farmers' association. From the profitability and market power point of view, we analyze operating efficiency by using Two-Stage Data Envelopment Analysis to evaluate 44 credit departments at farmers' association in the Kaohsiung and Pingtung area. The analysis results of the operating efficiencies of these 44 credit show that 36.3% are unable to make full use of resources to boost profitability and 90% have poor competitive ability in the market. There are no significant differences in the profitability based on region and time of establishment. Time of establishment does is significantly impact competitiveness Pure technical efficiency (PTE) is the main reason for poor technology efficiency (TE) in the credit departments in this study. 23 of the credit departments have high profitability but low in competitive ability in the market. 10 of the departments are both high in profitability and have good competitive ability. This indicates that the credit departments of these farmers' association are relative weak in a very competitive market. Operating expenses is the critical factor influencing profitability, while operation revenue is the key factor influencing market capability.

並列關鍵字

two-stage data envelopment analysis ； credit department of the farmer's association ； operating efficiency