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研究生:宋永裕
研究生(外文):Yung-yu Song
論文名稱:商業銀行營運型態與組織調整對分行營運效率的影響
論文名稱(外文):The Impact On Branch’s Operational Efficiency In Operating Type And Adjust Organization Of Commercial Bank
指導教授:張東生張東生引用關係
指導教授(外文):Dong-shang Chang
學位類別:碩士
校院名稱:國立中央大學
系所名稱:企業管理學系碩士在職專班
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2009
畢業學年度:97
語文別:中文
論文頁數:53
中文關鍵詞:分行營運效率資料包絡分析法銀行營運型態組織調整
外文關鍵詞:Branch''s Operational Efficiency.Organize AdjustmentOperating Type of Commercial BankData Envelopment Analysis
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回顧97年,國內商業銀行剛擺脫雙卡陰影,卻又遭遇美國次級房貸風暴演變為全球金融危機等影響,多家銀行接連認列相關金融投資損失,致國內金融機構資產減損金額不斷擴大,削弱97年銀行業整體獲利。在財務吃緊的情況下,因而採取遇缺不補,以及各式降低成本的方法,除營運型態分別有外匯指定分行與非外匯指定分行並進行組織調整,加強控管風險確保獲利能力等。有關營運型態與組織調整是否會影響分行營運績效等是為本研究的動機。
  本研究針對某公股上市銀行之國內分行共125家,用資料包絡分析法產出導向模式進行分析探討,投入變數為各分行之人員數與樓地板使用面積,產出變數則為活期性存款、定期性存款、個人金融放款、企業金融放款與扣備呆後盈餘,樣本期間為民國95年與民國97年作為組織調整之區分,藉以比較該商業銀行於此二期前後之分行營運效率差異。並依據地理位置座落都會區或非都會區與營運型態分為有、無外匯指定項目,藉以探討各該分行營運效率之差異,結果顯示該銀行在不同營運型態與組織調整前後,均對分行營運效率的表現有顯著差異。
For retrospect 2008, the domestic commercial bank just getting rid of the shade of double c-cards , it is influenced but encountered the sub-prime mortgage turmoil in the United States and developed into a global financial crisis .Many banks booked losses on relevant financial investments one after another, eroding overall banking industry profit performance. In a situation that the financial affairs are pressing, therefore adopt employee too scarcity to mend , and the various types of methods to lower costs , divided by the operating type whether there is the foreign exchange units or not and organize adjustment, strengthen in risk management and accuse of being in charge of guaranteeing earning capacity ,etc.. It is the motive of this research whether the operating type and organization change etc that it will influence branch''s operation performance. It evaluated the efficiency performance of these commercial banks according to the evaluation theory of Data Envelopment Analysis.
This study was to present the evaluation of management efficiency to the125 domestic branches of the listing commercial banks of some government share in Taiwan. Some factors were selected as the “input items” such as the floor space, the numbers of employee and “output items” such as current deposit, regularity deposit , individual finance loans, enterprise finance loans and deduct surplus after preparing against dull, during the sample is the differentiation that was regarded as organization''s adjustment in the 2006 and2008, use to compare the branch operational efficiency difference before and after the second stage of this commercial bank herein. The result shows this bank before and after different operation type and change organization, there is difference of showing to the behavior of branch''s operational efficiency .
目錄
中文提要………………………….....………………….………...I
英文提要………………………………..………….……………….II
目錄…………………………….…………..………………………III
圖目錄………………………………………………….….………….V
表目錄…………………………………………..……………......VI
第一章 緒論…………………………………….…………..………1
第一節 研究背景……………………………………………...……1
第二節 研究動機與目的…………………………………………...3
第三節 研究範圍與資料來源……………………………………...5
第二章 文獻回顧…………………………………………………….7
第一節 商業銀行營運型態與組織調整現況……………………...7
第二節 商業銀行之營運效率衡量………………….…………….11
第三章 研究設計……………………………………………………15
第一節 研究架構………………………………….……………….15
第二節 命題與變數………………………………….…………….16
第三節 研究方法……………………………………….………….18
第四節 研究對象…………………………………….…………….20
第四章 研究結果……………………………………………………22
第一節 研究樣本敍述統計……………………….……………….22
第二節 分行營運效率的衡量結果………………….…………….24
第三節 檢定營運型態與組織調整對分行營運效率之影響……..31
第四節 分行營運效率與扣備呆後考核盈餘相關性……….…….35
第五章 結論與建議…………………………………………………41
第一節 研究結論……………………………………….………….41
第二節 管理意涵……………………………………….………….42
第三節 研究建議與限制…………………………….…………….43
參考文獻……………………………………………………….……..45
一、中文部分…………………………….……………………………45
二、英文部分…………………………….……………………………45
附錄一………………………………………….……………………..48
附錄二………………………………………………………………….51
一、中文部分
1.高強、黃旭男和Toshiyuki Sueyoshi,2003,「管理績效評估-資料包絡分析法」,台北:華泰。
2.張寶塔、王克陸、梁志豪,2004,「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,第四卷,第一期,第91-120頁。
3.張嗣聰,2004,「以DEA法探討我國金控公司行銷面與財務面經營績效」,國立中正大學碩士論文。
4.陳衍潔,2009,「銀行業現況與未來展望」,台灣經濟研究院。
5.楊省財,2005,「我國商業銀行採分行制與區域中心制經營效率比較以資料包絡分析法(DEA)模式評估」,私立朝陽科技大學碩士論文。

二、英文部分
1.Aly, H. Y., Grabowski, R., Pasurka, C., and Rangan, N. (1990), “Technical, Scale and Allocative Effici-encies in U.S. Banking: An Empirical Investigation”, Review of Economics and Statistics, Vol. 72, 2, p.212-18.
2.Berg, S. A., Forsund F. R., Hjalmarsson L., and Suominen M. (1993), “Banking Efficiency in the Nordic Countries”, Journal of Banking and Finance, Vol. 17, p.371-388.
3.Berg, S. A., Forsund, F. R., and Jansen E. S. (1991), “Technical Efficiency of Norwegian Banks: The Non-Parametric Approach to Efficiency Measurement”, Journal of Productivity Analysis, Vol. 2, p.127-142.
4.Boussofiane, A., Dyson, R. G., and Thanassoulis, E. (1991), “Applied data envelopment analysis”, European Journal of Operational Research, Vol. 52, 1, p.1-15.
5.Camanho, A. S., and Dyson R. G. (1999), “Effciency, size, benchmarks and targets for bank branches: an application of data envelopment analysis”, The Journal of the Operational Research Society, Vol. 50, 9, p.903-915.
6.Chen, T. Y. and Yeh, T. L. (2000), “A Measurement of Bank Efficiency, Ownership and Productivity Changes in Taiwan”, The Service Industries Journal, Vol. 20, p.95-109.
7.Drake, L., and Howcroft, B. (1994), “Relative Efficiency in the Branch Network of a UK Bank: An empirical Study”, Omega, Vol.22, 1, p.83-90.
8.Haslem, J. A., Scheraga, C. A., and Bedingfield, J. P. (1999), “DEA Efficiency Profiles of U.S. Banks Opeating Internationally”, International Review of Economics and Finance, Vol. 8, p.165-182.
9.Lin, P. W. (2002), “The Efficiency of Commercial bank Mergers in Taiwan: An Envelopment Analysis”, International Journal of Management, Vol. 19, 2, p.334-342.
10.Yue, P. (1992), “Data envelopment Analysis and commercial Bank Performance: A Primer with Applications to Missouri Banks,” Federal Reserve Bank of ST. LOUIS, January/February, p.31-35.
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