為使我國金融業能朝向自由化、國際化、大型化的趨勢發展,政府陸續修法放寬金融業的管制,使我國金融業能逐漸擴大規模,然而就我國金融市場規模而言,現在的銀行家數恐怕過多,因此各家銀行的經營績效如何?是否金融控股公司所屬銀行績效會較佳?而具備什麼條件的銀行將成為金融控股公司合併的對象?這些都是值得探討的議題。 本研究利用資料包絡分析法評估銀行的經營績效,並進一步利用羅吉斯迴歸分析來探討金融控股公司下銀行的特性。本研究以本國的一般銀行及中小企業銀行為分析對象,研究期間為民國91年到民國93年。研究結果發現金融控股公司所屬銀行之績效較非金融控股公司所屬銀行績效佳,且金融控股公司所屬銀行通常具有高效率值、高資產規模以及低逾放比的特質。此外,分行數越多、由公營銀行轉民營之銀行以及之前曾合併其他金融機構之銀行較不會被納入金控公司,此結果具有實務意義,可作為金融控股公司在尋求購併對象之參考。
This study addresses the efficiency evaluation and the characteristics of banks under the financial holding company structure. Adopting data envelopment analysis (DEA), we use interest expenses, loans and employee numbers as the inputs and use operating revenues, interest revenues and other revenues as the outputs. Empirical results suggest that the efficiencies of banks under financial holding companies are superior to the other banks. It implies that the establishment of financial holding companies positively influences bank efficiencies. Further analysis reveals that banks which have large assets and high efficiency are more likely to be the merger targets for financial holding companies. On the other hand, banks with high non-performing loans ratio, more branches, merging other banks previously or the privatization of government-owned banks are less attractive.