隨著台灣成功進入世界貿易組織(WTO),以及金融控股集團的成立,銀行業面臨全新挑戰。又因銀行利差縮減,國內金融機構另外開闢高利差收入的獲利來源,紛紛尋找手續費收入及佣金收入以替代傳統利差,目前以理財商品的手續費收入及佣金收入成為重要獲利來源。 本研究對象以個案銀行:C銀行為例;C銀行於2002年開辦財富管理業務,就目前業務以客戶在銀行往來資產為計算標準分為三類:100-300萬、301-1000萬及1000萬以上。研究期間2004年1月至2005年12月。針對C銀行經營管理模式依上述客戶群所屬科組,分三群:A(100-300萬元)、B(301-1000萬元)及C(1000萬元以上)。 本研究的目的在探討個案銀行服務不同資產額度之財富管理部門:A、B及C三個部門的經營效率,藉由資料包絡分析法,分別依CCR及BCC模型評估各類財富管理部門的相對效率值,評估其效率值之意義及各變數對財富管理部門影響程度,尋求財富管理部門改善的方向與幅度。 本研究結果顯示,A部門無論是技術效率值(technical efficiency)、純技術效率值(pure technical efficiency)、規模效率值(scale efficiency),其效率多趨近於1,故多屬於規模報酬固定,表示達最適生產規模;且皆相對於B部門及C部門佳。其中較無效率的B部門及C部門,其無效率原因,大多來自規模無效率所造成,若處於規模報酬遞增階段時,表示需擴大規模,增加投入,使其產出最大,進而提升整體效率;反之處於若處於規模報酬遞減階段時,表示有資源浪費之情形,應縮減其經營規模,以達有效率的境界。
As Taiwan joined with the World Trade Organization (WTO), and the establishment of the bank holding companies, the banking institutions in Taiwan face against a completely new challenge. Along with the reduction of bank profit from the difference in interest rate between loan and deposit, the domestic financial institutions are forced to look for other alternatives to maintain high profits such as the management fee and commissions. This study attempts to explore the operational efficiency of the wealth administration department at C bank by three different categories in terms of the “amounts of assets handled by C bank” : Category A: Above $ 1 million and less than $ 3 million; Category B: above $ 3 million and less than $ 10 million; Category C: above $ 10 million. The sample period starts from Jan, 2004, to Dec, 2005. This investigation uses the Data Envelope Analysis (DEA) approach to evaluate the relative efficiency of all kinds of wealth administration in accordance with CCR and BCC models respectively. Furthermore, this work examines the impact of each parameter on the wealth administration department. The empirical result indicates that the performances in technical efficiency, pure technical efficiency and scale efficiency in category A all close to 1, which suggests that the optimum scale is reached and the performances in category A are significantly better than those in Categories B and C. The possible explanation of non-efficiency stemmed from Categories B and C because of their lack of economic efficiency. This study also finds that, if the wealth administration departments are in the progressive stage of the scale returns, then they can improve their overall efficiency by increasing their scales of economies. On the other hand, if the wealth administration departments are in the decreasing stages of the scale returns, then they can improve their overall efficiency by shortening their scales of economies.