- 學位論文
數位金融3.0下銀行績效評估之研究
The Study of the Efficiency Performance of Bank in the Era of Bank 3.0
摘要
全球銀行創新之父布萊特.金(Brett King )於2013提出「Bank 3.0─銀行轉型未來式」，我國金管會也宣布自 2015 年全面啟動「打造數位化金融環境 3.0」計畫，數位金融使銀行經營策略將從傳統功能型的銀行，轉向金融與資訊結合更多元的功能，傳統實體銀行將因營業成本而面臨裁撤或轉型。引發本研究亟欲探討，銀行在數位金融3.0時代的經營環境下，其營運績效的效率表現、經營效率變化狀況及經營績效的影響因素。 本文使用資料包絡分析法，以2011年至2015年台灣14家金融控股銀行為研究對象，選取營業費用、員工學歷及機器電腦設備成本為投入變數，淨收益、非財務指標為產出變數，衡量數位金融化之經營效率。採麥氏生產力指數分析各金控銀行的經營效率變化狀況，進一步利用Tobit迴歸分析探討影響經營績效的因素。 實證結果發現，為因應國內外數位金融的挑戰，樣本銀行皆推出應戰策略，提供創新、便利的數位金融商品及軟體來滿足客戶需求，短時間快速投入大量人力、時間、資源的情況下，相對的效率未顯著增加，策略管理及資源配置皆有改進的空間。迴歸分析結果顯示，分行家數與銀行績效呈現為顯著負相關，信用卡有效卡數/流通卡數與銀行績效呈現為顯著正相關。
並列摘要
Brett King, the father of global bank innovation, presented "Bank 3.0" in 2013. Financial Supervisory Commission (Taiwan) also announced the launch of the "Building a Digital Financial Environment 3.0" program in 2015. The bank's strategy will shift from traditional functional banks to more diverse function, traditional physical banks will be face of the abolition or transformation due to operating costs. This study intends to investigate the efficiency performance of Taiwan banks controlled by Financial Holding Companies in the Bank3.0 era of rapid changes in financial products, environmental and information technology. Further, this study examines the productivity changing trend from 2013 to 2015, and the factors related with efficiency performance. A total of 14 Taiwan banks controlled by Financial Holding Companies were used as research sample during 2011 to 2015. Data Envelopment Analysis (DEA) was used to measure efficiency performance of sample banks. Input variables comprised operating expenses, employee education, and machine equipment cost; output variables comprised net income and non-financial indicators. Malmquist Productive Index (MPI) was employed to measure the change of productivity from 2013 to 2015 and Tobit regression was adopted to examine the effects of identified factors on the efficiency performance of sample banks owing to the censored DEA values. The empirical result reveals that sample banks take up challenges to provide innovative and convenient digital financial products and software by placing lots of manpower and economic resources. However, the efficiency performance is not significantly increased because the investing time span is not long enough. The strategy management and resource allocation are improved. The result of Tobit regression indicates that the number of branches is negatively related with efficiency performance and the card ratio is positively related with bank efficiency performance.