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研究生:廖晏聖
研究生(外文):Liao, Yen-Sheng
論文名稱:窮人銀行的經營效率分析
論文名稱(外文):Managerial Efficiency of Grameen Banks
指導教授:胡均立胡均立引用關係
指導教授(外文):Hu, Jin-Li
口試委員:翁堃嵐陳金足林介鵬
口試委員(外文):Ueng, Kun-LanChen, Chin-TsuLin, Chieh-Peng
口試日期:2019-05-25
學位類別:碩士
校院名稱:國立交通大學
系所名稱:經營管理研究所
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:2020
畢業學年度:108
語文別:中文
論文頁數:35
中文關鍵詞:資料包絡分析法窮人銀行普惠金融經營效率社會效率
外文關鍵詞:Data envelopment analysisGrameen BankInclusive financeManagerial efficiencySocial efficiency
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本研究採用 Tone (2001) 所提出的差額變數的資料包絡分析法之無導向模型,採用 6 家組織分成兩大體系- Grameen Bank 體系和傳統商業銀行,選擇 2013–2016 年財務報 表資料和年報資料,將總資產、營業費用設為投入項,而產出項為總收益、淨貸款總額, 將求得效率值進行比較與分析,再進一步探討Grameen Bank體系的社會效率將其社會 面和經營面進行效率比較。研究結果顯示,在經營面來說,整體Grameen Bank的效率 表現比傳統商業銀行稍顯較缺乏效率,但 Grameen America 的經營表現能跟渣打有同樣 的效率表現,原因可能是在已開發國家實施的Grameen Bank商業模式可以更有約束力 及經營模式較為彈性。然而,在社會面來看,非政府組織的 Grameen 體系表現良好, 因此筆者建議Grameen Bank體系應採用非政府組織體系,能獲得較高且穩定的經營效 率與社會效率。
This study uses the slack-based model (SBM) of the data envelopment analysis by Tone (2001). It divides six organizations into two major systems - the Grameen Bank and traditional commercial banks and then selects the financial statements and annual report data for 2013–2016. The total assets and operating expenses are set as input items, and the output items are total income and total net loans. The social efficiency of the Grameen Bank system is further explored. The main findings are as follows: (1) overall, Grameen Bank's efficiency is slightly less efficient than traditional commercial banks, but Grameen America's business performance can be as efficient as Standard Chartered. (2) From the social efficiency perspective, the Grameen system of NGOs has performed well.
中文摘要 ...... i
英文摘要 ...... ii
誌謝 ...... iii
目錄 ...... iv
第一章 緒論......1
1.1 研究背景與動機......1
1.2 研究對象與範圍......2
1.3 研究目的......3
1.4 研究架構與流程......4
第二章 文獻回顧......6
2.1 GRAMEEN BANK 的演變與發展......6
2.2 傳統商業銀行普惠金融......10
2.3 應用在金融業與微型金融機構之效率文獻......10
第三章 研究方法......13
3.1 資料包絡分析法(DATA ENVELOPMENT ANALYSIS, DEA)......13
第四章 實證結果與分析......17
4.1 變數選取說明......17
4.2 樣本敘述統計......19
4.3 投入與產出變數之相關分析......20
4.4 GRAMEEN BANK 體系與傳統商銀財務效率值分析......20
4.5 GRAMEEN BANK 體系社會效率值分析......23
第五章 研究結論與建議......29
5.1 研究結論......29
5.2 管理意涵......30
5.3 研究限制與建議......31
參考文獻......32
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