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    Title: 金控與非金控銀行經營績效影響因素之探討
    An Investigation of the Performance of Financial Holding and Non-Financial Holding Banks
    Authors: 陳添智
    Chen, Tien-Chih
    Contributors: 吳中書
    陳添智
    Chen, Tien-Chih
    Keywords: 金融控股公司
    資料包絡分析法
    Tobit截斷迴歸模型
    技術效率
    Date: 2005
    Issue Date: 2009-09-19 15:20:53 (UTC+8)
    Abstract: 我國自民國90年11月「金融控股公司法」制定公佈施行以來,已核准設立14家金融控股公司,初步完成建構金融跨業經營目標,然嶄新的金融控股公司型態是否能產生預期綜合效益,在金控公司成立屆滿3年之際,實有必要對其投資主體事業-「銀行」之經營績效進行實證瞭解。本論文以94年底45家本國銀行為研究對象,以金控公司成立前後各推3年為資料涵蓋期間,運用資料包絡分析法(data envelopment analysis,簡稱DEA)及Tobit截斷迴歸模型,分別從全體銀行及金控公司旗下銀行二大群組角度,探討金控公司成立對銀行經營績效的影響。
    實證發現:本國銀行平均技術效率水準介於56.81%~85.86%間,代表銀行投入資源使用效率仍待改善,其技術無效率來源主要應歸因於資源浪費造成的純技術無效率,各銀行技術效率水準存在明顯差異,且多數非處於最適規模階段經營;金控銀行平均規模效率水準在金控公司成立前後均高於非金控銀行,顯示金控銀行先天在經營規模上即較具效率;銀行加入金控公司後平均技術效率水準明顯提升,且提升幅度高於非金控銀行;銀行透過業務分散、加入金控公司、擴增分行家數、降低逾放比率等經營策略,均有助提高技術效率;銀行公股比率與逾放覆蓋率高低,對技術效率影響效果,視時空環境因素及銀行經營策略而異,銀行資產市占率高低對技術效率的影響,統計解釋上並無顯著性;金控公司透過分散銀行子公司業務、積極整合金控資源、納入保險子公司、增加銀行子公司資產市場占有率等策略,將有助提升銀行子公司技術效率水準。
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    Description: 碩士
    國立政治大學
    行政管理碩士學程
    93921028
    94
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0093921028
    Data Type: thesis
    Appears in Collections:[行政管理碩士學程(MEPA)] 學位論文

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