銀行分行經營績效之研究-以S銀行為例

A Study on the Branch Performance of Bank-The Case of S Bank

張素媖(Suying Chang)

指導教授 ： 洪志興

朝陽科技大學/管理學院/財務金融系碩士在職專班/碩士(2012年)

摘要

摘要
本研究以個案S商業銀行105 間分行為研究樣本，利用資料包絡分析法與麥氏生產力指數來分析S銀行各分行的經營績效及生產力探討無效率之原因，提出改善指標，並做為銀行管理者經營決策之依據。
實證有以下3個結果：
1、利用麥式生產力指數法，得之該整體銀行在2010年至2011年這段
期間生產力呈現成長狀態。
2、應用資料包絡分析法之CCR與BCC模式分析，求得該銀行整體
之經營效率值為相對無效率。
3、該銀行整體有高達59%的分行屬於規模報酬遞減的狀態，其結果
顯示大部份的分行需增加其業務營運量，來提升銀行生產效率的
績效。

關鍵字

麥式生產力指數法 ； 經營績效 ； 資料包絡分析法

並列摘要

ABSTRACT
This study has S commercial banks 104 branches from year 2010 to 2011 as researching sample. This research was to examine the operation performance and by using Data Envelopment Analysis (DEA) and Malmquist Productivity Index. In this research, find the most efficiency and most inefficiency Branch, and evaluate factors which effect efficiency during 2010 to 2011 ,in order to discover the source of operation inefficiency and make suggestions to possible improvements. The result will provide for decision makers’ reference and improve industry operational efficiency.
The empirical results are:
1.To use Malmquist Productivity Index, that the overall
banks in the period 2010 to 2011 productivity growth of
state.
2.The application of data envelopment analysis (DEA) of
the CCR and BCC models to obtain the bank''s overall
business efficiency value is inefficient.
3.The bank has branches over 59% belong to the state of
decreasing returns to scale, and its sultssignificantly.
Show that most of the branches need to increase its
operations to improve the performance of the production
efficiency of banks.

並列關鍵字

Data Envelopment Analysis (DEA) ； Malmquist ； efficiency

參考文獻

1. 賴呈昌（2004），台灣地區金控銀行與非金控銀行績效之評

8. 林昌陞 (2010) ，臺灣銀行分行經營績效之研究。未出版碩士

9. 楊振宗 (2010) ，台灣上市銀行經營績效之探討-資料包絡分析

models for estimating technical and scale inefficiencies

in data envelopment analysis”, Management Science,