臺灣博碩士論文加值系統

隨著金融管制解除，銀行產業的競爭必然將漸趨激烈，交通銀行身為一專
業銀行，面對競爭其專業銀行的角色面臨了更大的挑戰，依其目前之規模
，經營規模是否適當，是否具有效率而且助於整體社會福利之提昇，實是
值得主管當局關注。本文首先將交通銀行視為一廠商，從銀行廠商觀點出
發適當定義交通銀行的投入與產出。進而利用產業結構概念分析其投入與
產出在銀行產業中所面對的市場，選擇適用的廠商結構，建立交通銀行剩
餘利潤函數模型，檢定剩餘利潤函數是否具超加性，本文實證結果發現交
通銀行剩餘利潤函數具超加性，表示交通銀行之開發銀行專業業務仍具有
擴展空間。而交通銀行擴展業務的方法有二：一為增設分行；一為就現有
的分行增加業務量，利用超加性的概念可發現交通銀行目前之規模 業務
量較為有利，擴大業務量可以增加剩餘利潤 效率，因此建議交通銀行宜
增加其開發性授信及創導性投資業務，並加強開發性授信之資金來源。

In the study, the structure of the Chiao Tung Bank is viewed as
a firm. From the viewpoint of banking and outputs of the Chiao
Tung Bank are defined The concept of industry structure is
adopted to analyze markets with which the inputs and outputs
are faced. Furthermore, the empirical issue is investigated.
empirical result is tested whether or not the residual profit
function of the Chiao Tung Bank is superadditivity. If test
shows the feature of superadditivity, It indicates the scale of
the banking structure possesses still some to enlarge to pursue
the higher residuaal profit for Chiao Tung Bank. There exists
two alternatives to banking firm structure, one is suggested
to increase branch；the other is to augment its current
operation. To compare the two ways, an important conclusion
shows the latter one is much better than the former. Therefore,
a critical suggestion is that the Chiao Tung should augment its
current operation.