金融控股公司體系下之台灣銀行業效率分析

Efficiency Analysis of Taiwan's Banks under Financial Holding Company System

張群芬(Chun-Fen Chang)

指導教授 ： 李竹芬

國立虎尾科技大學/管理學院/企業管理系經營管理碩士在職專班/碩士(2016年)

摘要

本研究旨在探討金控公司架構下能否提升銀行之經營效率，研究期間為1995年至2015年，選取員工人數、營業費用、存款匯款及儲存匯金為投入變數，買匯貼現及放款、營業收入淨額為產出變數，以資料包絡分析法衡量39家本國銀行之經營效率與生產力變動，並針對金控子銀行與非金控獨立銀行兩群組做差異性檢定分析。
研究結果顯示，金控子銀行之經營效率、純技術效率與一般非屬金控體系的獨立銀行相較之下，無顯著的差別，但在規模效率上存在顯著差異。此外，兩者在生產力變動各相關指標亦無顯著差異，但金控成立前後，子銀行在規模效率變動上有差異，其餘生產力變動指標則無差異。此研究結果，有助於瞭解金融業者目前資源運用效率情形及整體營運績效，提供業者參考，藉著宏觀調控，讓資源能做最有效的分配與運用。

關鍵字

金融控股公司 ； 資料包絡分析法 ； 銀行業 ； 購併 ； 效率

並列摘要

This study investigates whether banks under the financial holding company (FHC) structure can enhance operating efficiency through cross-sectional banking mergers and acquisitions (M&As).The sample is taken from 39 domestic banks during the years 2011 to 2015. Input variables includenumber of employees, operating expenses, and total deposits,while output variables are total loans and bills purchased and discounted, and operating revenues. Data envelopment analysis (DEA) is applied to measure operating efficiency and malmquist productivity index of sample banks. Afterwards, a Kruskal-Wallis oneway analysis of variance is used to compare the performance of banks belonging to part of FHC with that of independent banks other than FHC subsidiaries.
The results show that the in comparison of the operational efficiency and the pure technical efficiency of the FHC banks with the ordinary independent banks that doesn’t belong to the financial holding system, there is no significant differences. However, there is significant difference in the scale efficiency. Besides, the both have no significant difference in every related index of the productivity change. However, before and after the establishment of the financial holding, there is difference in the changes of the scale efficiency of the sub-bank. Other index of the productivity change has no difference. The result of the research is helpful to understand the current resource utilization efficiencysituations and the overall operating performance to be the reference for the operators. By the macro-control, the resources can be distributed and used effectively.

並列關鍵字

Financial holding company (FHC) ； Data Envelopment Analysis (DEA) ； Banking ； Mergers and Acquisition (M&A) ； Efficiency

參考文獻

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