近年來美日等先進國家皆陸續取消各項金融管制,正式解除銀行業跨業經營之限制,我國政府為順應世界金融潮流,將2001年定為金融改革元年,並在11月1日實施「金融公司控股法」,同年年底正式核准14間金融控股公司成立,為台灣金融業之改革開創了新的契機。 台灣在2002年正式加入WTO,台灣的金融業將須面對國外大型金融機構的挑戰,使得國內金融市場之競爭將更為劇烈,而國內金融業的異業整合是否能提高其競爭力與績效,非常值得去深入探討,金融控股公司成立的最主要目的在於獲取最大利潤與提高業務處理績效,本研究主要應用2000年Kao所提出之模糊資料包絡分析法(Fuzzy DEA)與2005年Lu and Wang提出之模糊排序模式,以營業費用、呆帳為投入變數,利息收入、手續費收入、投資收入為產出變數來評估2003至2004年間台灣14間金融控股公司的經營績效。 研究結果發現:台灣地區14間金融控股公司中以富邦、中信、日盛等三間金融控股公司的經營績效為最佳,第一金融控股公司經營績效則為最差。
Recently, multicompanies have been canceled one by one by such developed countries as Europe, America and Japan. Taiwan’s government in order to follow the financial trend, they appoint 2001 to be the first year of finance innovation. Also, it executes Financial Holding Company Act on 1st of November in 2001. In the same year, Department of the Treasury in Taiwan allows fourteen financial holding companies to be set up, which innovate the new opportunity in Taiwan Street. Taiwan joins into WTO formally in 2002. The finances of Taiwan will face more challenges from financial organizations in overseas, which will make Taiwan Street become more competitive. However, it’s worth debating that whether finance’s commingle with other industrials could elevate the competitively and improve the performance. The main goal of financial holding company is obtaining the largest profit and promoting the performance efficiency. This study applies Kao’s Fuzzy DEA and Lu’s Fuzzy Ranking models to evaluate performance of Taiwan’s fourteen financial holding companies in 2003 and 2004. It uses operation expense, financial cost as the input and dividend income, bank charge income, investment income as the output. The result shows that FUBON, CHINATRUST, and JIHSUN financial holding companies are performed the best. However, FIRST financial holding company’s performance is the worst.