泛公股銀行與民營銀行之經營績效比較

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Title:	泛公股銀行與民營銀行之經營績效比較
Authors:	詹承翰
Contributors:	經濟學系
Keywords:	泛公股銀行民營銀行經營績效
Date:	2010
Issue Date:	2011-10-31 16:08:43 (UTC+8)
Abstract:	金融機構在一個國家的經濟活動中，扮演著不可或缺的角色，而銀行是接受存款以及放款的金融機構，具有資金調節的功能、扶持企業完善、並配合政府政策使其促進國家經濟發展之使命。因此，銀行管理當局應具備良好的效率評估辦法，以其能維持銀行的穩健經營及發展。本研究樣本選定2006年至2009年間的27間本國銀行(TEJ公開發行以上企業)，七家泛公股銀行、一家公營銀行以及十九家民營銀行。本研究資料型態為年資料，四年總樣本數為108個受測單位，資料來源包括：金融統計月報、台灣經濟新報之金融業務資料庫以及各網路銀行之年報。研究結果顯示，在技術效率、純技術效率以及規模效率各方面的經營績效皆是以公營銀行優於泛公股銀行而泛公股銀行優於民營銀行，而公營銀行可能因具政府的保護，對於環境因素變動具有較高的適應能力。由於這些經由民營化之泛公股銀行與民營銀行在效率的表現上皆不如公營銀行，可見在泛公股銀行和民營銀行在規模上的掌控以及主管階層人員在管理上皆沒有進行好相關的把關。泛公股銀行與民營銀行經營效率差異不大，可能因為泛公股銀行經由民營化釋股之後，其管理階層由民間所擔當，導致其經營模式與民營相差無異，因此在效率方面也相差無幾。 In a country's economic activities, financial institution plays a crucial role. The bank could accept deposits and loans with capital adjustment function and to support enterprises in improvement. Bank also could help government policy to promote national economic development mission. Therefore, the bank management should have a good way to assess the efficiency to maintain its operation and development. The study sample selected from 2006 to 2009, among 27 domestic banks (TEJ public offering of business), seven state-owned banks, one public bank and 19 privately-owned banks. In this study, data type information for the year. The total number in four years samples of 108 units in the research. Data sources include: Financial Statistics Monthly, Taiwan Economic Journal and a database of financial business of the Annual Reports of the Internet Banking. This research finding as follows: In technical efficiency, pure technical efficiency and scale efficiency in all aspects of performance are superior to state-owned banks, and the state-owned banks are superior to private banks. Maybe public sector banks owned the government protection, in environmental factors have more highly ability to adapt from changes. Through the privatization of these state-owned banks and private banks in the performance of the efficiency are not as good as the public sector banks. In the state-owned banks and private banks as well as in the control of scale in management for executives who are no have good checks. Operating efficiency in state-owned banks and private banks are not significant. Probably because of the state-owned banks through the privatization of share stock, the management by the civil, leading to its business model is no different with the private banks. Therefore, they almost have majority same efficiency.
Appears in Collections:	[Department of Economics & Graduate Institute of Economics ] thesis

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