金融海嘯後網路銀行業務對銀行經營績效之影響

本研究主要探討我國已推行網路銀行服務之上市上櫃銀行，其推行網路銀行後之經營績效。1990年後網路的發展已攺變了人們與銀行間的交易模式，2000年英國經濟學人雜誌報導網路銀行的成本只占實際至銀行交易成本的百分之一，將有效降低銀行營運成本。 2008年，因為次貸危機及衍生性金融商品引發了世界性金融海嘯，導致多家大型金融機構倒閉或被政府接管，台灣的銀行及金融相關行業亦飽受重大衝擊。金融海嘯已迫使國內各銀行調整原有的商品比重與策略，也更加重視客戶的權益，因此具有成本低、便利、安全及24小時服務不間斷的網路銀行，已成為金融機構兵家必爭之地。本研究資料主要參考中央銀行、金融監督管理委員會、台灣經濟新報資料庫及各銀行年報，樣本數據包含26家銀行，研究期間自2008年至2011年，研究方法上運用資料包絡分析法(Data Envelopment Analysis)求出各銀行投入與產出之效率值，以探討網路銀行對銀行經營績效的影響，經由純粹技術效率、規模效率及規模報酬分析，探討各家銀行之優劣勢，以期對台灣銀行業發展網路銀行績效之了解。

關鍵字

網路銀行；經營績效；金融海嘯；資料包絡分析法(Data Envelopment Analysis ,DEA)

並列摘要

The main objective of this thesis is to evaluate the performance of Taiwan’s banking industry, after its business developing the Internet banking services. During the 1990’s, the Internet banking system has become the transaction pattern between clients and banks. In 2000, according to The Economics that Internet banking system only up to 1% of the bank operating cost, which can make the improvement of cost-down. In 2008, Sub-prime mortgage financial crisis and the derivatives have leaded the result of global financial tsunami. Many major financial institutions have claimed bankruptcy or being taken-over by the government. In Taiwan, banks and other related financial institutions have also suffered from the global financial tsunami inevitability. It has forced the local banks rearranging the proportion of asset portfolio and strategy, furthermore, to value the client’s rights and interests more than ever. Due to the characteristics of low cost, convenient and the 24 hours security guarantees services, the Internet banking system has become the most important sub-area for every financial institution on their operation and development. The research databases mainly come from Central Bank of Taiwan, Banking of FSC, TEJ, 26 banks and various banks annual reports from 2008 to 2011. The thesis has mainly applied on Data Envelopment Analysis (DEA) to calculating the efficiency rate of Input and Output. Furthermore, to utilize the statistic tools of efficiency analysis , Return to scale analysis, Slack variable analysis and Sensitivity analysis for comparing different banks strengths and weakness. Inclusion, the thesis is hoping to discuss the efficiency performance of Internet-banking on banks.