- 學位論文
農業金融改革對農會信用部利潤效率與風險的影響
The Influence of Agricultural Financial Reform on the Profit Efficiency and Risk of the Credit Department of Farmers’ Association.
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摘要
為了改善農會信用部的經營績效和建立健全的農業金融體系，政府在 2003 年公布「農業金融法」，並於2004 年成立「農業金融局」，隔年開始運 作「全國農業金庫」。本研究蒐集1996-2007 年的178 家農會信用部資料， 藉由利潤函數的推估，考慮風險以及無效率函數的推估，計算農會信用部 的效率指標。藉由信用部的各特性變數，探討農會金庫的成立對於農會信 用部的經營效率之影響。實證結果發現資產規模愈大、都市型的農會信用 部、存放率愈高、員工素質愈高的農會信用部，能降低利潤無效率。在利 潤風險方面發現當信用部分部數愈多，會提高利潤風險，農會信用部逾期 放款率愈低、資金穩定性愈高，有助於降低利潤風險；此外在經濟景氣階 段和農業金庫成立之後，農會信用部的利潤風險均有降低的現象。
並列摘要
In order to improve the performance of the credit department of farmers’ association and build up an agricultural finance system, Taiwan announced the regulations in the agricultural finance in 2003 and established the bureau of agricultural finance in 2004, and the Taiwan agricultural bank in the next year. The data of 178 credit departments of the farmers’ associations over the period of 1996-2007 were collected in this study. A profit function was estimated under the consideration of risks inefficiency. The efficiency index for each credit department of the farmers’ association was calculated by using the regression results. Moreover, regression models for risk and inefficiency indexes were built up to study what factors would influence these indexes. The empirical results showed the credit department of farmers’ association could reduce profit inefficiency by increasing its assets size, loans-deposits ratio, and employees’ education degree. When the farmers’ association credit department has more branches, higher overdue loan ratio, or lower capital stability, its profit risk will be higher. Furthermore, the economic growth and the establishment of the Taiwan agricultural bank both reduced the profit risk of the credit departments.
參考文獻
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