台灣農會信用部經營效率之研究-資料包絡分析法之應用

A Study on the Operation Efficiency of Credit Department for Farmers’ Associations in Taiwan--An Application of Data Envelopment Analysis

陳菊珍(Chen Chu Chen)

指導教授 ： 林永順

國立屏東科技大學/管理學院/農企業管理系所/碩士(2009年)

https://doi.org/10.6346/NPUST.2009.00101

摘要

近年來，在社會結構急速變遷、金融開放及工商業活動逐漸國際化的壓力下，農、漁會信用部逐漸失去競爭力。同時，由於經營之業務及區域受限，加上人才、科技、組織及制度上均無法與商業銀行競爭。而本研究目的在了解各農會信用部資源運用之情形，並根據實證數據，提供相對無效率之信用部在資源可改善的建議。

本研究以2005年、2006年、2007年全台灣地區231家鄉鎮（市）農會信用部為樣本，採用之研究方法為資料包絡分析法，該法為利用數學規劃之技巧，找出最佳的生產效率前緣。實證結果可歸納為四點：(1)農會信用部經營效率不彰的主要原因為技術效率，非規模效率造成。(2)三種類型農會信用部：都市型經營效率最佳，混合型次之，鄉村型最差。(3)2007年都市型之高逾放比群組其經營效率值優於同類型之低、中逾放比群組，顯示高逾放比群組在經營效率已有進步。(4)中、高逾放比群組在各組織類型所佔家數比例呈現逐年遞減的現象，顯示農會信用部整體逾放比在實施農業金融監理一元化體制後已獲得改善。
關鍵詞：農會信用部、資料包絡分析法

關鍵字

農會信用部 ； 資料包絡分析法

並列摘要

As the social structure rapidly change, the financial opening, the industry and commerce activity gradually under internationalization pressure, the credit department of farmers’ associations lose its competitive edge gradually in recent years, in the. At the same time, the region service and the management limit, the talented person, the science and technology limit, the organization were unable competiotion with the commercial bank . This research goal was to understand the situation of the credit department farmers associations how can they use the resources. A according to the data, we’ll provide credit department suggestion which may improve the usage of their resources.

This research studied credit sections of 231 farmers’ associations in Taiwan between 2005 and 2007. We applied DEA in this study. DEA uses linear programming method that can find out the best efficiency frontier. The conclusion are (1)Technical inefficiency is the mainly drawback of the credit department of farmers’ associations.(2)There are three tye of management efficiency of three type : the urban type is best , the mixed type is second and the rural type is the worst. (3) The urban type of high non- performing loan group is exceed other types in 2007. (4)High and medium non-performing loan group were decreasing year by year. The non-performing loan had improved after the agricultural financial supervision unification policy was implemented.

Keywords: Farmers’ associations credit department,
Data envelopment analysis

並列關鍵字

Farmers’ associations credit department ； Data envelopment analysis

參考文獻

李佩陵，2005，農會信用部效率性之評估，碩士論文，中原大學會計系。

行政院金融監督管理委員會，2008，取自http://www.fscey.gov.tw/。

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