衡量台灣金融產業之經營效率穩定性

我國經濟體中銀行佔有舉足輕重的地位。以往針對銀行競爭力分析都是藉由橫斷面資料（cross-section data）來衡量相對效率，然而量測僅是對於單一時間點的靜態效率，如運用一般DEA之CCR模型及BCC模型評估績效值，所以評估績效涉及跨期之經營效率比較，則現有DEA基本模式無法評估。所以本研究運用視窗分析（window analysis）進行分析及研究，期間為2005-2012年共8年藉此評估金融海嘯前後之經營績效差異性。經研究顯示一般DEA之未考量時間下，所有效率值均呈現負成長趨勢。但考量時間下，所有效率值整體趨勢上我國銀行確實較偏向穩定發展趨勢。其中純技術效率是穩定發展，表示我國銀行在考量時間關係下是穩定成長。

關鍵字

視窗分析法；資料包絡分析法；經營績效

並列摘要

Banks always occupy a pivotal position in Taiwan’s economy. For the past, we measure the bank’s competitiveness by cross-sectional data to find out the relative efficiency, however, it’s only a single measurement of a static efficiency at one point of time, such as the use of CCR model and BCC model of general DEA model to assess the performance of the general value. When we want to assess the performance of the operating efficiency and the operating efficiency is a comparison for several periods, the existing DEA basic model cannot be assessed. Therefore, this study analyzed the use of the window analysis conducted a total of eight years for the period 2005-2012 to assess the operating performance differences before and after the financial crisis. The study shows all DEA efficiency values are generally a negative growth trend without the consideration of time. Efficiency values with the consideration of time, the overall trend of Taiwan’s banks efficiency are more stable development. Most banks develop stably in pure technical efficiency and it means that our banks develop stably under the consideration of the time.