臺灣博碩士論文加值系統

現今世界的金融趨勢已朝向自由化和國際化的腳步邁進,為了順應此
一世界潮流,政府 相繼解除各項保護措施和法規限制.此開放政策使得國
內新舊銀行間的競爭更形激烈,均積極改善經營績效,並採用新的資訊科
技,以期能在此競爭激烈的環境中佔優勢.學者Porter( 1985)曾指出,銀行
業屬於高度資訊需求的行業,由此可見資訊科技在銀行業中的重要性.
本研究以本國一般商業銀行為研究對象,採用DEA績效衡量模式,此模式為
一可以同時納入多項投入與產出變數於模式中的方法,經由一系列線性規
劃最佳化的求解過程,求得受評估單位的相對經營效率. 本論文首先參
酌國內外文獻,並利用問卷以及公開出版刊物蒐集資料,然後應用DEA績效
衡量模式,最後分析解釋結果並提出建議.研究結果發現:1.在經營績效方
面,新銀行的經營效率優於舊銀行,民營銀行的經營效率優於公營銀行;2.
在資訊科技方面,不同經營性質銀行的技術,純技術效率值以及規模報酬狀
態各受不同IT之影響.

Recently, for the global financial trends has become more
liberalized andinternationalized, the Taiwan government has
released certain protections tomake market more competitive
between banks. As a result, new information tech-nology (IT) is
needed to improve the performance of banking operations,
andhelp bnaks to be more compatible in the market. According to
Scholar Porter(1985), banking was a kind of business requiring
the latest information to keepup with others, and IT can satisfy
this need for banks. The data envelopment analysis(DEA) is
used to evaluate how effective the IT is for banking. DEA is a
linear programming methodology with multiple inputsand outputs
providing a measurement of relative efficiency for decision
makingunit(DMU) involved. This study has first referred to
relevant literature, and used data collec- ted from survey and
publications. Then the DEA model is applied. Finally,
theconclusions are reached, and some suggestions come out:
First, as for perfor-mance, the efficiency of new banks is
better than old banks, and the performan-ce of private banks is
better than public banks. Second, as for IT, each kindof bank''s
technical, pure technical efficiency and return to scale is
affectedby different IT.