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題名：以樣條函數重新檢視農會信用部經營與合併效益
書刊名：農業與經濟
作者：周百隆 引用關係／吳榮杰／陳葦峻
作者(外文)：Chou, Pai-lung／Woo, Rhung-jieh／Chen, Wei-chun
出版日期：2006
卷期：37
頁次：頁63-98
主題關鍵詞：樣條函數；經營效益；合併效益；農會信用部；Spline function；Operation performance；Merger effects；Farmers' credit unions
原始連結：連回原系統網址new window
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  • 被引用次數被引用次數:期刊(4) 博士論文(0) 專書(0) 專書論文(0)
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  • 共同引用共同引用:111
  • 點閱點閱:192
過去探討金融機構成本效益多數皆採用超越對數成本函數為模型，主要著眼於便利性，但該模型受限於函數本身型態，不同規模的金融機構必須在一U型平均成本線的兩邊，用於推估規摸經濟與成本效益時常會得到相似的必然結果，勢必將影響研究的準確性。本研究為國內首次採用較為靈活之樣條函數來建構成本函數體系，重新檢視台灣地區農會信用部之經營效益與模擬合併分析。本研究發現，農會信用部之平均成本曲線較近似於M型，且大型農會信用部於規模經濟效果與範疇經濟效果上較小型農會信用部顯著，普遍農會信用部有勞動要素投入規模不經濟的現象，顯示內部人力資源整頓的必要性，以縣市為合併區域並考量所有合併可能性下發現，近乎所有縣市皆能達到成本節省效果，幅度介於-0.865%與33.4%之間，顯示農會信用部合併深受所處區域影響，若進一步以合併後產出規模劃分，合併成本節省情況以小於五十億元與大於一百五十億元兩區段之效益較為顯著，最適合併後產出規模為超過兩百億元水準，預估可達到26%的成本節省。
Many pervious researches on cost effects of financial institution adopted the Translog cost function form. Mainly focus on it's convenient. But the Translog cost form is a restrictive specification by itself. Different institution size should distribute over two side of a standard U-shaped quadratic average cost (AC) curve. To use Translog form to estimate scale economies and cost effects most get not only similar but inevitable results. It is sure to affect the accuracy of studies.This paper is the first one to use the more flexible Spline function to establish cost system in Taiwan. We will reexamine the operation performance and merger effects of Farmers' Credit Unions in Taiwan. Our results showed that the AC curve of Farmers' Credit Unions in Taiwan is similar to an M-shaped, large-sized Farmers' Credit Unions are more outstanding in scale economies and economies of scope effects than small-sized ones. In general, whole Farmers' Credit Unions lie in labor input-specific scale diseconomies situation, which showed the necessity of rectifying human source for internal departments. By almost merger samples that discussing all merger combination possibly in counties are reached cost saving effects. The range is within -0.865% to 33.4%. It is apparent to understand the merger effects of Farmers' Credit Unions are influenced deeply by different counties .If we divide the samples into five size by post-merger output level, the results indicated that merger effects are outstanding with small than 50 hundred million NT dollars level and large than 150 hundred million NT dollars level. The suitable post-merger output level exceeded in 200 hundred million NT dollars, estimating to reach 26% cost saving.
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10.梁榮輝、廖振盛(20040600)。地區漁業經營型態與漁會信用部成本效率之分析。農業經濟半年刊，75，149-178。new window  延伸查詢new window
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13.王克陸、彭雅惠(20040200)。應用隨機前緣成本法於臺灣農會信用部之效率評估研究。臺灣管理學刊，4(1)，43-58。new window  延伸查詢new window
14.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
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18.黃介良、陳美菁(19990600)。基層金融機構合併之效益分析。管理學報，16(2)，315-348。new window  延伸查詢new window
19.黃介良、梁連文(19990700)。農會信用部合併效益之探討--模擬實證分析。財稅研究，31(4)，46-62。new window  延伸查詢new window
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21.黃台心(19970300)。臺灣地區本國銀行成本效率之實證研究--隨機邊界模型之應用。人文及社會科學集刊，9(1)，85-123。new window  延伸查詢new window
22.陳永琦、傅祖壇(20040600)。臺灣地區農會信用部合併之成本節省效益分析。農業經濟叢刊，9(2)，1-26。new window  延伸查詢new window
23.Mester, L. J.(1987)。A Multiproduct Cost Study of Savings and Loans。The Journal of Finance，42，423-445。  new window
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26.林炳輝、劉雪華(2000)。臺灣商業銀行與信用合作社規模經濟與範疇經濟之比較研究。技術學刊，15，15-24。  延伸查詢new window
27.Berger, A. N.、Hanweck, G. A.、Humphrey, D. B.(1987)。Competitive Viability in Banking: Scale, Scope and Reassessment。Journal of Money, Credit and Banking，14，435-456。  new window
28.Diewert, W. E.、Wales, T. J.(1993)。Linear and Quadratic Spline Models for Consumer Demand Functions。Canadian Journal of Economics，26，77-106。  new window
29.Kasman, A.(2002)。Cast Efficiency, Scale Economies, and Technological Progress in Turkish Banking。Central Bank Review，1，1-20。  new window
30.Ray, S. C.(1982)。A Translog Cost Function Analysis of U. S. Agriculture 1939-77。American Journal of Agricultural Economics，64，490-498。  new window
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35.Stone, C. J.(1986)。Comment: Generalized Additive Models。Statistical Science，1，312-314。  new window
36.Suits, D. B.、Mason, A.、Chan, L.(1978)。Spline Functions Fitted by Standard Regression Methods。The Review of Economics and Statistics，60，132-139。  new window
會議論文
1.張靜貞、顏晃平、王泓仁(2000)。農會信用部之合併 : 成本結構與規模經濟之分析。臺灣經濟學會年會. 2000年。臺北：臺灣經濟學會。  延伸查詢new window
2.林祖嘉(1999)。Housing Production and Factor Demand: A Cost Function Approach。0。  new window
研究報告
1.Bell, F. W.、Murphy, N. B.(1968)。Cost in Commercial Banking: A Quantitative Analysis of Bank Behavior and Its Relation to Bank Regulation。0。  new window
2.Deacon, M.、Derry, A.(1994)。Deriving Estimates of Inflation Expectations from the Prices of UK Government Bonds。0。  new window
3.Horowitz, J. L.、Loughran, T.、Savin, N. E.(1996)。A Spline Analysis of the Small Firm Effect: Does Size Really Matter?。0。  new window
學位論文
1.賴勇賓(2002)。臺灣農會信用部之成本效率分析(碩士論文)。逢甲大學。  延伸查詢new window
2.陳永琦(2002)。臺灣地區農會信用部與本國銀行合併之效益分析，0。new window  延伸查詢new window
3.陳麗花(2001)。臺灣農會合併可行性之研究：從農會信用部地區農業金融業務之成本結構觀點剖析，0。  延伸查詢new window
圖書
1.Alhadeff, D. A.(1954)。Monopoly and Competition in Banking。Berkeley：University of California Press。  new window
2.Greene, William H.(1997)。Econometric Analysis。Prentice Hall International, Inc.。  new window
3.Varian, Hal R.(1992)。Microeconomic Analysis。W. W. Norton & Company, Inc.。  new window
4.合作金庫(1997)。臺灣地區基層農會信用部業務經營分析。臺灣地區基層農會信用部業務經營分析。臺北。  延伸查詢new window
其他
1.臺灣省政府農林廳(1997)。臺灣區各級農會年報，臺中縣。  延伸查詢new window
 
 
 
 
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