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題名:臺灣中小企銀體系的成本結構及生產力實證分析
書刊名:經濟論文叢刊
作者:鄭秀玲 引用關係陳欽奇劉錦添 引用關係
作者(外文):Jang, Show-lingChen, Chin-chiLiu, Jin-tan
出版日期:1997
卷期:25:1
頁次:頁45-72
主題關鍵詞:中小企銀規模經濟多樣化經濟總要素生產力SME banksEconomies of scaleEconomies of scopeTFP growth
原始連結:連回原系統網址new window
相關次數:
  • 被引用次數被引用次數:期刊(12) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:9
  • 共同引用共同引用:28
  • 點閱點閱:134
     本文利用 Translog 成本函數來探討國內 7 家中小企銀(花蓮企銀除外)於 1986 至 1994 年間的成本結構變遷, 討論主題包括規模經濟、多樣化經濟、技術進步及總 要素生產力成長率等變化。 由於這段期間適逢我國銀行體系發生巨大變革,尤其是自 1991 年起有 18 家新銀行陸續加入市場競爭, 因此, 本文將樣本期間分成 1986-90 年及 1991-94 年二段時期,透過成本函數的實證來討論中小企銀的生產行為變化。實證結果有幾 項重要發現:第一,中小企銀放款貼現之邊際成本在第二段期間明顯降低,但是政府債券、 其他投資的邊際成本反而上漲。第二,中小企銀之營運具有密度經濟、規模經濟多樣化經濟 的現象,但在第二期變得較不顯著。 第三,中小企銀在 1986-90 年間總成本平均每年上升 5.4%,而在後期總成本平均每年僅上升 0.7%,且呈現中性技術進步。 第四,催收款金額對 中小企銀成本造成負面衝擊的程度在後期較前期嚴重。第五,中小企銀總要素生產力成長率 由前期之 0.5% 大幅提高至後期的 2.7%。這些結果顯示在 1991-94 年間,中小企銀體系的 成本結構已有顯著的改善。
     The objective of the paper is to investigate the changes of cost structure and productivity growth for seven SME banks in Taiwan during 1986-1994. The translog system of equations are estimated jointly by using the Iterative Zellner Efficient method. Since there was dramatic structural change in the Taiwan banking system during this period, specifically the impact from the deregulation of new banks opening in 1991, we divide the sample period into two subperiods, i.e. 1986-1990 and 1991-1994 and focus our empirial analysis on the changes in the cost structure of these seven banks in these two subperiods, In general, the empirical results indicate that these seven SME banks have improved their productivity after the deregulation allowing new bank openings.
期刊論文
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7.Noulas, A. G.、Ray, Subhash C.、Miller, Stephen M.(1990)。Return to Scale and Input Substitution for Large U.S. Bank。Journal of Money, Credit and Banking,22(1),94-108。  new window
8.Berger, Allen N.、Hunter, Willian C.、Timme, Stphen G.(1993)。The efficiency of financial institutions: A review and preview of research past, present and future。Journal of Banking and Finance,17(2/3),221-249。  new window
9.Ferrier, Gary D.、Lovell, C. A. Knox(1990)。Measuring Cost Efficiency in Banking-Econometric and Linear Programming Evidence。Journal of Econometrics,46(1/2),229-245。  new window
10.徐中琦、張鐵軍(19930300)。臺灣地區本國銀行規模經濟與範圍經濟之實證研究。臺灣銀行季刊,44(1),32-58。new window  延伸查詢new window
11.McAllister, P. H.、McManus, D. A.(1993)。Resolving the scale efficiency puzzle in banking。Journal of Banking and Finance,17(2/3),389-405。  new window
12.Hanweck, G. A.、Humphrey, D. B.、Benston, G. J.(1982)。Scale Economies in Banking: A Restructuring and Reassessment。Journal of Money, Credit, and Banking,14(4),435-456。  new window
13.謝德宗(19920200)。銀行產業組織與生產成本文獻綜覽。臺北市銀月刊,23(2)=269,2-22。  延伸查詢new window
14.Mester, L. J.(1993)。Efficiency in the saving and loan industry。Journal of Banking and Finance,17,267-286。  new window
15.Humphrey, D. B.(1993)。Cost and technical change: Effects from bank deregulation。The Journal of Productivity Analysis,4,9-34。  new window
16.Buono, M. J.、Eakin, B. K.(1990)。Branching restrictions and banking costs。Journal of Banking and Finance,14,1151-1162。  new window
17.Hunter, W. C.、Timme, S. G.、Yang, W. K.(1990)。An examination of cost subadditivity and multiproduct production in large U.S. banks。Journal of money, Credit and Banking,22(4),504-525。  new window
18.Lawrence, C.(1989)。Banking Cost, Generalized Functional Forms, and Estimation of Economies of Scale and Scope。Journal of Money, Credit, and Banking,21(3),368-379。  new window
19.Clark, J. A.(1984)。Estimation of Economies of Scale in Banking Using a Generalized Function Form。Journal of Money, Credit and Banking,16(1),53-68。  new window
20.Colwell, R. J.、Davis, E. P.(1992)。Output and Productivity in Banking Scand。The Scandinavian Journal of Economics,94,111-129。  new window
21.Fixler, D. J.(1993)。Measuring Financial Service Output and Prices in Commercial Banking。Applied Economics,25(7),983-993。  new window
22.Flannery, M. J.(1983)。Retail Bank Deposits as Quasi-Fixed Factors of Production。American Economic Review,72(3),527-536。  new window
23.Murry, J. D.、White, R. W.(1980)。Economies of Scale and Deposit-Taking Financial Institution in Canada: A Study of British Columbia Credit unions。Journal of Money, Credit and Banking,12(1),58-70。  new window
24.Shaffer, S.、Edmond, D.(1992)。Economics of Super Scale in Commercial Banking。Applied Economics,23(2),283-293。  new window
25.Sealey, C. W.、Lindley, J. T.(1977)。Input, Outputs, and a Theory of Production and Cost at Depository Financial Institutions。Journal of Finance,32(4),1251-1266。  new window
26.Christensen, Laurits R.、Jorgenson, Dale W.、Lau, Lawrence J.(1973)。Transcendental Logarithmic Production Frontiers。The Review of Economics and Statistics,55(1),28-45。  new window
27.Berger, Allen N.、Humphrey, David B.(1991)。The Dominance of Inefficiencies over Scale and Product Mix Economies in Banking。Journal of Monetary Economics,28(1),117-148。  new window
28.Hall, Robert E.、Jorgenson, Dale W.(1967)。Tax Policy and Investment Behavior。The American Economic Review,57(3),391-414。  new window
29.Glass, J. C.、McKillop, D. G.(1992)。An Empirical Analysis of Scale and Scope Economies and Technical Change in an Irish Multiproduct Banking Firm。Journal of Banking & Finance,16,423-437。  new window
30.Timme, S. G.、Hunter, W. C.(1991)。Technological Change in Large U.S. Commercial Banks。The Journal of Business,64(3),339-362。  new window
31.Gropper, D. M.(1991)。An Empirical Investigation of Change in Scale Economies for the commercial Banking Firm, 1979-1986。Journal of Banking & Finance,23(4),718-727。  new window
32.Hunter, W. C.、Timme, S. G.(1995)。Core deposit and physical capital: A reexamination of bank scale economies and efficiency with quasi-fixed inputs。Journal of Money, Credit, and Banking,27(1),165-185。  new window
會議論文
1.黃柏棠(1995)。台灣地區銀行體系成本、規模經濟及生產力之研究。台灣經濟學會年會。  延伸查詢new window
學位論文
1.呂麗慧(1990)。台灣地區公、民營銀行生產力之比較(碩士論文)。東吳大學。  延伸查詢new window
2.沈中華(1986)。台灣地區中小企業銀行成本函數研究(碩士論文)。國立台灣大學。  延伸查詢new window
3.羅蕙琪(1993)。台灣地區本國銀行體系的效率分析(碩士論文)。東吳大學。  延伸查詢new window
4.林宏鐘(1988)。我國商業銀行之多元生產成本理論實証研究(碩士論文)。國立政治大學。  延伸查詢new window
5.何淑婉(1995)。台灣地區本國銀行體系多元化產出的成本函數分析(碩士論文)。東吳大學。  延伸查詢new window
6.林億壽(1992)。台灣地區銀行生產力之比較(碩士論文)。國立中興大學。  延伸查詢new window
7.桂勝嘉(1988)。台灣地區銀行體系規模經濟之研究(碩士論文)。淡江大學。  延伸查詢new window
8.黃柏棠(1993)。台灣地區銀行體系成本、規模經濟及生產力之研究(碩士論文)。國立中興大學。  延伸查詢new window
圖書
1.Greene, William H.(1993)。Econometric Analysis。Macmillan Publishing Company。  new window
2.林鐘雄(1994)。貨幣銀行學。三民書局。  延伸查詢new window
3.財政部(1991)。金融局年報。  延伸查詢new window
4.蔡培玄(1986)。信用合作社規模經濟之研究。new window  延伸查詢new window
圖書論文
1.Denny, Michael、Fuss, Melvyn、Waverman, Leonard(1981)。The Measurement and Interpretation of Total Factor Productivity in Regulated Industries, with an Application to Canadian Telecommunications。Productivity Measurement in Regulated Industries。New York:Academic Press。  new window
2.Bauer, Paul W.、Berger, Allen N.、Humphrey, David B.(1993)。Efficiency and productivity growth in U.S. banking。The Measurement of Productive Efficiency: Techniques and Applications。Oxford University Press。  new window
3.Yang, Ya-Hwei(1994)。Taiwan: development and structural change of the banking system。The Financial Development of Japan, Korea, and Taiwan--Growth, Repression, and Liberalization。Cambridge:Oxford University Press。  new window
4.劉錦龍(1988)。台灣地區銀行體系成本函數。台灣金融制度之改革:第一階段之研究。中華經濟研究院。  延伸查詢new window
5.Caves, D. W.、Christensen, L. R.、Tretheway, M. W.、Windle, R.(1935)。Network Effects and the Measurement of Returns to Scale and Density for U.S. Railroads。Analytical Studies in Transport Economics。Cambridge University。  new window
 
 
 
 
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