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題名:併入金控公司對銀行業經營效率影響之分析
書刊名:創新與管理
作者:江淑玲張佳萱
作者(外文):Chiang, Shu-lingChang, Chia-hsuan
出版日期:2008
卷期:6:1
頁次:頁89-117
主題關鍵詞:資料包絡法金控公司Malmquist生產力指數經營效率Data envelopment analysisFinancial holding companyMalmquist productivity indexOperational efficiency
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(8) 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:8
  • 共同引用共同引用:141
  • 點閱點閱:74
本研究旨在探討銀行併入金控公司後,對銀行業經營效率的影響。透過資料包絡分析法(Data Envelopment Analysis)及Malmquist生產力指數和Tobit廻歸模型,以各銀行併入金控公司前後三年為研究期間,對民國90年6月「金融控股公司法」通過後,12家加入金控公司旗下之銀行作經營效率的分析,以瞭解金融機構整併為金融控股公司模式後,是否真能獲得綜效,提升經營效率。本研究主要發現如下:(1)無論就整體技術效率、純粹技術效率或是規模效率值之分析,銀行業併入金控後,效率皆顯著提升,顯示金控公司的經營模式,應能產生綜效。(2)在Malmquist Index跨期成長分析方面,7年的研究期間顯示,各銀行皆處於生產力持續提升階段,而併入金控前生產力提升,主要源於技術進步成長率,併入金控後生產力提升,則尚包括來自規模效率之帶動。但在併入金控後第三年,則呈現生產力衰退情形,而此主要源於技術進步成長率的大幅衰退;此顯示,併入金控之綜效效益,確實能為銀行帶來一時生產力之提升,但如何維持永續之成長,則仍是銀行管理者須面對課題。(3)Tobit廻歸結果顯示,多角化經營與併入金控公司對銀行整體經營效率之提升有所助益,但自動化程度對經營效率則有不利影響。
This study investigates the effects of merged by the Financial Holding Company (FHC) on the operational efficiency of Taiwan banks. It examines 12 banks that merged by FHC since the Financial Holding Company Act came into effect. The findings are: (1) the operational efficiency of bank post-merged periods by FHC is greater than pre-merged periods; (2) Malmquist Productivity Index of the banks between period that three years before and after merged by FHC increases steadily; (3) while using Tobit regression model, the results show that level of automatic has negative effect and level of diversification and merged by FHC have positive effects on the operational efficiency
期刊論文
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2.Chu, S. F.、Lim, G. H.(1998)。Share Performance and Profit Efficiracy of Banks in an Oligopolistic Market: Evidence from Singapore。Journal of Multinational Financial Management,8(2/3),155-168。  new window
3.張寶塔、王克陸、梁志豪(20040100)。我國銀行經營效率、技術效率與規模效率之分類研究--資料包絡分析法之應用。管理研究學報,4(1),91-120。new window  延伸查詢new window
4.Chang, T. C.、Chiu, Y. H.(2006)。Affecting factors on risk-adjusted efficiency in Taiwans banking industry。Contemporary Economic Policy,24(4),634-648。  new window
5.Chen, Yu-Cheng、Sun, Ling、Peng, Chih-Wei(2005)。Commercial banks' performance in Taiwan。International Journal of Business Performance Management,7(4),444-463。  new window
6.Kohers, T.、Hung, M. H.、Kohers, N.(2000)。Market Perception of Efficiency in Bank Holding Company Merger: the Roles of DEA and SFA Models in Capturing Merger Potential。Review of Financial Economics,9(2),101-120。  new window
7.彭雅惠、吳東姿(20060600)。臺灣金融控股公司所屬銀行之特質及銀行績效探討。績效與策略研究,3(1),19-32。new window  延伸查詢new window
8.劉松瑜、謝燧棋、溫育芳(20060900)。臺灣銀行業在金控與非金控架構下之效率分析。臺灣金融財務季刊,7(3),127-176。new window  延伸查詢new window
9.王克陸、彭雅惠、陳美燁(2007)。台灣金控子銀行經營績效之評估--使用DEA方法。科技管理學刊,12(2),1-28。new window  延伸查詢new window
10.陳佳梅、鍾俊文(20050500)。加入金控對金融機構信用評等及市場佔有率之影響。貨幣觀測與信用評等,53,18-30。  延伸查詢new window
11.Obi, C. P.、Emenogu, A.(2003)。Bank holding company expansion into nonbank functions: Is the rise in systematic risk rewarded?。Managerial Finance,29(8),9-22。  new window
12.Yamori, N.、Harimaya, K. O.、Kondo, K.(2003)。Are Banks Affiliated with Bank Holding Companies More Efficient Than Independent Banks? The Recent Experience Regarding Japanese Regional BHCs。Asia-Pacific Financial Markets,10(4),359-376。  new window
13.詹維玲、劉景中(20060600)。金融自由化後臺灣銀行的效率及生產力。經濟論文,34(2),251-300。new window  延伸查詢new window
14.Lo, Shih Fang、Lu, Wen Min(2006)。Does Size Matter? Finding the Profitability and Marketability Benchmark of Financial Holding Companies。Asia Pacific Journal of Operational Research,23(2),229-246。  new window
15.林炳文(20020200)。臺灣地區商業銀行合併效率性之分析:資料包絡分析法的應用。臺灣管理學刊,1(2),341-355。new window  延伸查詢new window
16.Aly, Hassan Y.、Grabowski, R.、Pasurka, C.、Rangan, N.(1990)。Technical, scale, and allocative efficiencies in U.S. banking: An empirical investigation。Review of Economics and Statistics,72(2),211-218。  new window
17.Färe, R.、Grosskopf, S.、Norris, M.、Zhang, Z.(1994)。Productivity growth, technical progress, and efficiency changes in industrialized countries。The American Economic Review,84(1),66-83。  new window
18.孫梅瑞、陳隆麒(20020300)。臺灣地區上市公司從事購併活動對經營績效影響之研究。中山管理評論,10(1),155-184。new window  延伸查詢new window
19.林忠正(20051000)。臺灣金融控股公司及其集團之發展與分析:經營規模與效率。企銀季刊,28(4),27-41。  延伸查詢new window
20.林卓民、陳明麗、楊於龍(20060300)。金融控股公司旗下子銀行成本效率之探討。臺灣銀行季刊,57(1),1-16。new window  延伸查詢new window
21.許鈺佩、張錫介(20050600)。金融控股公司實施對臺灣銀行業經營效率影響之分析。金融風險管理季刊,1(2),33-56。new window  延伸查詢new window
22.Banker, Rajiv D.、Charnes, Abraham、Cooper, William Wager(1984)。Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis。Management Science,30(9),1078-1092。  new window
23.Caves, Douglas W.、Christensen, Laurits R.、Diewert, W. Erwin(1982)。The Economic Theory of Index Numbers and the Measurement of Input, Output, and Productivity。Econometrica: Journal of the Econometric Society,50(6),1393-1414。  new window
24.林灼榮、蕭慧玲、邱敬貿(20060600)。金控成立前後旗下銀行營運績效之差異性評估。中原企管評論,4(1),43-68。new window  延伸查詢new window
25.沈中華(20020600)。金控公司的銀行與獨立銀行CAMEL比較:1997-1998。臺灣金融財務季刊,3(2),73-94。new window  延伸查詢new window
26.Berger, Allen N.、Humphrey, David B.(1997)。Efficiency of Financial Institutions: International Survey and Directions for Future Research。European Journal of Operational Research,98(2),175-212。  new window
27.Farrell, Michael James(1957)。The Measurement of Productive Efficiency。Journal of the Royal Statistical Society: Series A (General),120(3),253-290。  new window
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學位論文
1.張春本(2001)。銀行授信評估與品質管理之研究(碩士論文)。義守大學。  延伸查詢new window
2.江婕寧(2003)。美國金融控股公司與非金融控股公司經營績效之比較--DEA之應用(碩士論文)。國立臺灣大學。  延伸查詢new window
圖書
1.徐俊明(2005)。財務管理:理論與實務。台北:新陸書局。  延伸查詢new window
 
 
 
 
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