| 摘要(英) |
This study takes 182 domestic branches of bank C as the research object, analyzes the changes in the efficiency values of each branch of the case bank from 108 to 112 years of the Republic of China, and explores the impact of promoting digital financial services on branch operating performance under the digital finance trend.
In the first stage, Data Envelopment Analysis (DEA) was used to explore the operating efficiency of the case branch from 108 to 112 years of the Republic of China. Deposits and personnel costs were selected as input variables, and loan, fee income and pre-tax net profit were analyzed. is the output variable. The research results show that the average total efficiency value of all branches shows an upward trend year by year, indicating that the overall operating efficiency is improving year by year, and more than half of the branches are in a state of increasing returns to scale, indicating that most branches can expand their operations through Scale, increase deposits, loans and other business operations, thereby improving the operating performance of individual banks.
In the second stage, the Tobit regression model is used to analyze the factors that affect operating efficiency under the digital finance trend. The research results show that three variables, including the number of credit cards, the number of newly activated online banking accounts, and the total average balance of online loans, are variables with significant influence. Among them, the first two variables further demonstrate that when branches implement digital financial services, their impact on operating efficiency is more obvious. The analysis results of this study show that the promotion of digital financial services by branches has a significant impact on bank operating performance. The head office units can continue to provide customers with different digital financial services and experiences through the promotion of digital financial products to improve the overall performance of the bank. |
| 參考文獻 |
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