自1980年來,隨著「減少政府干預,尊重市場機能」的理念,公營銀行民營化已為時勢所趨,但是一個公營事業民營化後經營績效會更好,還是維持原本以公營的方式繼續經營較為妥當。 本研究取自2011年至2015年公營銀行、民營化之公營銀行及民營銀行共28家銀行為樣本。使用資料包絡法(DEA),並根據文獻選取四個投入項及四個產出項,探討技術效率、規模效率及純技術效率和麥氏生產力指數變動情形。 研究結果發現,三種類型銀行生產力都有衰退現象,其主要原因在於生產技術的衰退,其中公營銀行及民營化之公營銀行衰退較民營銀行嚴重。由於目前國內銀行業市場日趨飽和,競爭日益激烈,因此除了繼續加強客戶服務外,亦須因應金融科技的發展,改善生產技術,才能提升生產力。
This paper samples the data of a total of 28 banks (state-owned, privatized state-owned and privately owned) in 2011-2015, and conducts a data envelopment analysis on the four inputs and four outputs selected on the basis of a literature review. The purpose is to explore the changes in technical efficiency, scale efficiency, pure technical efficiency and Malmquist productivity index among these banks. The study indicates a decline in the productivity of all the three categories of banks, partly due to deterioration of productive technologies. This is particularly pronounced with state-owned and privatized state-owned banks. As the banking market is increasingly saturated and the competition continues to intensify in Taiwan, banks should develop fintech competences and improve production technology in order to boost productivity and enhance customer service capabilities.