本研究主要探討國內金融控股公司以及獨立銀行的經營效率,採取隨機邊界分析法,透過投入要素轉換成產出過程的表現,來了解2001年至2005年間,10家金控架構下子銀行與15家非金控架構下的獨立銀行之經營效率。本文探討的主題共分爲兩大部分,第一部份以translog及Cobb-Douglas二種不同成本函數型態,分別估算國內銀行的成本效率,比較不同成本函數型態估計之效率值差異;第二部份討論金融控股公司及獨立銀行的經營效率是否有差異。本文實證結果發現:1、不論是本國銀行效率值或效率值排名,都發現兩函數間並沒有太大的差異;2、屬金融控股公司下之子銀行經營效率表現較獨立銀行爲佳;3、不論金控公司核心事業爲何,加入金控公司對銀行效率值無明顯提升。
This study applied stochastic frontier analysis to examine the performance of Taiwan's banks. The first part of this paper is to compare the score of efficiency estimated by Cobb-Douglas cost function and translog cost function. The second part of this paper discuss the performance of banks under the FHCs and non-FHCs. Pertinent study findings are concluded as follows: (1) The scores of efficiency estimated by Cobb-Douglas cost function and translog cost function are no significant difference; (2) The performance of banks under FHCs are better than those who are non-FHCs; (3) No matter what core enterprise is, there is no useful for banks to raise the score of efficiency by integration.