近幾年的台灣銀行業,面臨低利潤、合併、轉型等多變的情勢,各家銀行皆致力於提昇經營績效以增加競爭力,本研究主要在探討台灣上市銀行經營效率,以台灣地區22家上市商業銀行為研究樣本,2006年到2009年為研究期間,選擇固定資產、利息支出及用人費用為投入變數,以利息收入、非利息收入為產出變數,利用資料包絡分析法分析銀行之各種績效值,探討無效率的原因,並提出改善的指標。 實證結果顯示: 1. 兆豐商銀、中信銀行、台北富邦銀行、萬泰銀行、遠東銀行、大眾銀行及安泰銀行在研究年度均達最適效率境界,其中兆豐商銀及台北富邦銀各年度盈餘皆為正數,可做為其他銀行未達最適效率的學習標竿。 2.銀行之改善方向除了提高金融產品的收益性,面對市場已過度飽和的情況,縮減經營規模亦是提昇經營效率的有效方法。
The banking industry in Taiwan is facing challenges from low profits, M&A and transforming opportunity in recent years. These banks are committed to improve their working efficiency in order to survive in the business competition. This study has selected twenty-two TWEX listed commercial banks from year 2006 to 2009 as researching sample. The intention of research is to focus on the operation efficiency using fixed assets proportion, interest expense and personnel expenses as input variables and included interest income and non-interest income as output variables. This paper has adopted Data Envelopment Analysis method (DEA) to analyze the operation performance values of the studied bank in order to discover the source of operation inefficiency and make suggestions to possible improvements. The empirical results have revealed the following conclusions: 1. Mega International Commercial Bank, CITIC Bank, Taipei Fubon Bank, Cosmos Bank, Far East Bank, Public Bank and ING Bank are already in the best operational status during the studied period. Both Mega International Commercial Bank and Taipei Fubon Bank have demonstrated positive earnings in each year and considered as ideal model banks for operation efficiency improvements in banking industry. 2. Other than improving the net profit for various banking products that reducing operational scale could act as another method to improve overall efficiency.