兩岸銀行業經營績效與生產力之探討

The Study of both Sides of the Banking Sector of Performance and Productivity

陳富強(Fu-Chiang Chen) ； 方顯光(Hsien-Kuang Fang)

《華人前瞻研究》 7卷1期 (2011/05) Pp. 15-30

https://doi.org/10.6428/JCTF.201105.0015

摘要

本研究採用資料包絡分析法(DEA)與麥氏生產力指數(MPI)評估兩岸銀行的經營績效、生產力變動與經營類型分析。樣本取自台灣經濟新報(TEJ)，選取06-09年本國銀行26家及大陸銀行14家之資料。實證分析結果，大陸銀行純技術效率(PTE)、成本效率(CE)與配置效率值(AE)皆顯著高於本國非金控銀行；本國銀行技術效率(TE)與CE無效率原因，皆來自PTE較多，大陸銀行則分別來自規模效率(SE)與PTE較多；兩岸銀行處於規模報酬遞減者為最多，約佔73%以上06-09年本國銀行MPI平均值為0.990且呈現逐年下滑的現象，而大陸銀行MPI平均值為0.897且呈現逐年上升現象；本國與大陸銀行分別屬於「低效率且低生產力」與「高效率但低生產力」者最多。

關鍵字

資料包絡分析法 ； 麥氏生產力 ； 規模報酬 ； 經營績效

並列摘要

This study uses data envelopment analysis (DEA) and Malmquist productivity index (MPI) assess the performance of cross-strait banking, productivity changes and operational types. Samples taken from the Taiwan Economic Journal (TEJ), 06-09 years, selected 26 domestic banks and 14 Mainland banks information. Empirical analysis, pure technical efficiency Continental Bank (PTE), cost efficiency (CE) and the value of allocative efficiency (AE) were significantly higher than their non-bank financial holding company : national bank technical efficiency (TE) and CE without efficiency reasons, all from PTE more mainland banks from scale efficiency (SE) with the PTE more; cross-strait banking is decreasing returns to scale had the highest, accounting for more than 73%; 06-09 years, an average of 0.990 MPI domestic banks and has been declining Phenomenon, and Continental Bank and MPI showed an average annual increase of the phenomenon of 0.897; domestic and Continental Bank were a ”low efficiency and low productivity ”and ”high efficiency but low productivity” by most.

並列關鍵字

Data Envelopment Analysis ； Malmquist Productivity ； Returns to Scale ； Performance