本研究採用 Tone (2001) 所提出的差額變數的資料包絡分析法之無導向模型,採用 6 家組織分成兩大體系- Grameen Bank 體系和傳統商業銀行,選擇 2013–2016 年財務報 表資料和年報資料,將總資產、營業費用設為投入項,而產出項為總收益、淨貸款總額, 將求得效率值進行比較與分析,再進一步探討Grameen Bank體系的社會效率將其社會 面和經營面進行效率比較。研究結果顯示,在經營面來說,整體Grameen Bank的效率 表現比傳統商業銀行稍顯較缺乏效率,但 Grameen America 的經營表現能跟渣打有同樣 的效率表現,原因可能是在已開發國家實施的Grameen Bank商業模式可以更有約束力 及經營模式較為彈性。然而,在社會面來看,非政府組織的 Grameen 體系表現良好, 因此筆者建議Grameen Bank體系應採用非政府組織體系,能獲得較高且穩定的經營效 率與社會效率。
This study uses the slack-based model (SBM) of the data envelopment analysis by Tone (2001). It divides six organizations into two major systems - the Grameen Bank and traditional commercial banks and then selects the financial statements and annual report data for 2013–2016. The total assets and operating expenses are set as input items, and the output items are total income and total net loans. The social efficiency of the Grameen Bank system is further explored. The main findings are as follows: (1) overall, Grameen Bank's efficiency is slightly less efficient than traditional commercial banks, but Grameen America's business performance can be as efficient as Standard Chartered. (2) From the social efficiency perspective, the Grameen system of NGOs has performed well.