博碩士論文 105458005 詳細資訊




以作者查詢圖書館館藏 以作者查詢臺灣博碩士 以作者查詢全國書目 勘誤回報 、線上人數:11 、訪客IP:52.87.176.39
姓名 黃進穎(Chin-Ying Huang)  查詢紙本館藏   畢業系所 財務金融學系在職專班
論文名稱 金融科技浪潮下銀行分行經營績效之探討-以個案銀行為例
(A Study on the Operating Performance of Bank Branches in the Current Trend of FinTech-Take Case Bank as an Example)
相關論文
★ 區塊鏈技術應用於金融科技公司企業資金電子調撥系統實作與驗證
檔案 [Endnote RIS 格式]    [Bibtex 格式]    [相關文章]   [文章引用]   [完整記錄]   [館藏目錄]   至系統瀏覽論文 ( 永不開放)
摘要(中) 本研究以本國C銀行之國內262家分行作為研究對象,首先運用資料包絡分析法評估個案C銀行分行之經營績效,投入項目採用存款、利息支出、用人費用及行舍費用;產出項目採用放款、利息收入、手續費收入及稅前盈餘。並進一步利用Tobit迴歸模型分析個案C銀行之分行推展數位金融服務對其經營效率之影響,經由實證結果顯示,大多數的分行處於規模報酬遞增的狀態,即表示大部份的分行在維持現有的產出規模下,均未達到經濟效益,各分行應可經由調整規模,增加業務營運量等,藉此提升銀行之整體經營績效。

在Tobit迴歸分析中顯示,網路銀行(含行動網銀)開戶數、網路銀行(含行動網銀)交易筆數、信用卡有效卡數及線上申辦個人貸款戶數等四項變數為顯著之影響變數,其中後三項變數更顯示出分行推行數位金融服務,對其經營效率方面是具正向顯著性;另分行座落區域及成立年限等二項控制變數對其效率值均無顯著關係,顯示個案分行座落於都會區或鄉鎮區及分行成立時間長短均不是影響其效率值之重大因素。藉由本研究的分析結果顯示,個案C銀行之分行推動數位金融服務強度對其經營績效的影響呈現正向顯著性,管理階層應可透過研發設計多元化創新數位服務,以提升銀行整體績效。
摘要(英) The research focuses on 262 domestic branches of the domestic Bank C. First, in the case of Bank C, evaluate the operating performance of its branches by utilizing the method of data envelopment analysis. In this method, the items of input include deposit-taking, interest expenses, employment expenses, and rent expenses for branch offices; those of output include lending, interest income, service charges, and earnings before taxes. Furthermore, in the case of Bank C, the research further analyzes the influence of operating efficiency via the Tobit regression model when its branches promote the digital financial services. The empirical results reveal that most of the branches are placed in the situation of increasing returns to scale, that is to say, most of the branches fail to reach economic benefits under the maintenance of existing output scale. Each branch may improve its overall operating performance by adjusting its scale and increasing the amount of business.

The analysis of Tobit regression shows that four variables, namely the number of e-banking account opening (including mobile & online banking), the number of e-banking transactions (including mobile & online banking), the number of valid credit cards, and the number of online applications for personal loans are significant. The latter three variables also indicate that when the branches promote the digital financial services, there is a positive significance to their operating efficiency; in addition, two control variables, namely locations and years of establishment of the branches, have no significant relationship with their efficiency values, showing that the locations of the branches in metropolitan areas or at townships and years of establishment of the branches are both not a major factor affecting their efficiency values. Through the analysis results of this research, in the case of Bank C, the intensity that its branches promote the digital financial services has a positive significance to their operating performance in the case of Bank C. Therefore, the management may design diversified and innovative digital services to improve the overall performance of Bank C.
關鍵字(中) ★ 金融科技
★ 經營效率
★ 銀行分行
★ 資料包絡分析法
★ Tobit迴歸
關鍵字(英) ★ FinTech
★ Operating Efficiency
★ Bank Branches
★ Data Envelopment Analysis
★ Tobit Regression
論文目次 摘要 i
ABSTRACT ii
誌謝 iii
表目錄 v
圖目錄 vi
一、緒論 1
1-1 研究背景與動機 1
1-2 研究對象與目的 3
1-3 研究架構 5
二、文獻探討 7
2-1 銀行經營效率之探討 7
2-2 DEA運用於金融機構經營績效相關文獻 10
三、研究方法 15
3-1 資料包絡分析法 15
3-2 銀行投入產出變數之選取 20
3-3 Tobit迴歸模型 24
四、實證結果與分析 26
4-1 投入與產出變數選取說明 26
4-2 敘述性統計分析 27
4-3 相關係數檢定 28
4-4 DEA效率值分析 29
4-5 Tobit迴歸分析 48
五、結論與建議 51
5-1 結論 51
5-2 建議 52
參考文獻 54
附錄一 59
附錄二 67
參考文獻 中文部分
﹝1﹞江雅婷(2009),「銀行分行經營效率之研究-資料包絡分析法之應用」,國立臺灣科技大學財務金融研究所碩士論文。
﹝2﹞李沃牆、陳韋蘋(2017),「金融數位化浪潮下銀行之經營績效分析-以台灣商業銀行為例」,台灣銀行季刊,第68卷第3期,39-66頁。
﹝3﹞吳錦盛(2002),「國內銀行經營績效與智慧資本之探討」,國立中山大學,經濟學研究所碩士論文。
﹝4﹞林昌陞(2010),「臺灣銀行分行經營績效之研究」,國立交通大學管理學院碩士在職專班經營管理組碩士論文。
﹝5﹞林銘鈺(2003),「台灣地區公營銀行民營化經營效率之研究-DEA方法之應用」,國立成功大學企業管理研究所碩士論文。
﹝6﹞孫遜(2004),資料包絡分析法:理論與應用,揚智文化,台北。
﹝7﹞翁穎宜(2008),「銀行的公司治理與經營績效」,玄奘大學財務金融學系研究所碩士論文。
﹝8﹞張竣傑(2008),「以資料包絡法評估某銀行分行之營運效率」,長庚大學資訊管理學研究所碩士論文。
﹝9﹞陳玉菁(2013),「公司治理與資訊揭露對台灣銀行業經營效率之探討」,南華大學,碩士論文。
﹝10﹞陳振遠、吳炳松(2001),「銀行分支機構經營效率評估之研究」,台灣銀行季刊,第53 卷第4期,1-24頁。
﹝11﹞黃淑貞(2009),「銀行業分行經營績效之分析—資料包絡分析法(DEA)的應用」,世新大學企業管理研究所碩士論文。
﹝12﹞黃慶堂、洪于媜(2014),「以DEA與TOBIT法探討我國民營銀行之經營績效」,台銀季刊,第65卷第3期,1-19頁。
﹝13﹞黃鏡如、傅祖壇、黃美瑛(2008),績效評估:效率與生產力之理論與應用,新陸書局,台北。
﹝14﹞楊孟霖(2005),「銀行區位與效率─以彰化銀行為例」,國立高雄第一科技大學金融營運系碩士論文。
﹝15﹞楊振宗(2010),「台灣上市銀行經營績效之探討」,朝陽科技大學財務金融研究所碩士論文。

英文部分
﹝1﹞Banker,Charnes & Cooper (1984). “Some Model for Estimating Technical and Scale Inefficiencirs in Data Envelopment Analysis”. Management Science, Vol. 30(9), PP.1078~1092.
﹝2﹞Barr, R. S., K. A., Killgo, T. F. Siems and S. Zimmel ,(2002). “Evaluating the productive efficiency and performance of U.S. commercial banks”, Managerial Finance, vol.2,528, pp.8, 3.
﹝3﹞Becchetti, L., J. Sierra, (2003), Bankruptcy risk and productive efficiency in manufacturing firms. Journal of Banking and Finance , Vol. 27, pp.2099-2120.
﹝4﹞Charnes, A., William W. Cooper and E. Rhodes (1978), “Measuring the Efficiency of Decision Making Units,” European Journal of Operational Research, Vol. 2, No. 3, pp.429-444.
﹝5﹞Chen, T. Y. & Tsai, L. Y. (2000),”A Measurement of Bank Efficiency, Ownership and Productivity Changes in Taiwan,” The Service Industries Journal, Vol.20,pp.95-109.
﹝6﹞Cielen, A., L. Peeters, and K. Vanhoof, (2004), “Bankruptcy Prediction Using a Data Envelopment Analysis,” European Journal of Operation Research, Vol.154: pp.526-532.
﹝7﹞Das, A. and S. Ghosh (2009), “Financial Deregulation and Profit Efficiency: A Nonparametric Analysis of Indian Banks”, Journal of Economics and Business, Vol.61, No.6, pp.509-528.
﹝8﹞Drake, L. and M.J.B. Hall (2003), “Efficiency in Japanese banking: An empirical analysis,” Journal of Banking and Finance, Vol.27, pp.891-917.
﹝9﹞Farrell, M. J. (1957), “The Measurement of Prouductive Efficiency”, Journal of the Royal Statistical Society, Vol.120, PP.499-513.
﹝10﹞Ferrier,G.D.and C.A.K. Lovell(1990),“Measuring Cost Efficiency in Banking-Econometric and Linear Programming Evidence.”Journal of Econometrics,46,No.12,pp.229-45.
﹝11﹞Hughes, J.P. and J.L. Mester (1993), “A quality and risk-adjusted cost function for banks: evidence on the too-big-fail doctrine”, Journal of Productivity Analysis, Vol.4, pp.293-315.
﹝12﹞Miller, S.M. and A.G. Noulas (1996), “The Technical Efficiency of Large Bank Production,” Journal of Banking and Finance, Vol.20,pp. 495-509.
﹝13﹞Oral, M. & Yolalan, R. (1990), “An Empirical Study on Measuring Operating Efficiency and Profitability of Bank Branches,” European Journal of Operational Research, Vol.46,pp.282-294.
﹝14﹞Psillaki, M., I. E. Tsolas, and D. Margaritis, (2010), “Evaluation of Credit Risk Based on Firm Performance,” European Journal of Operational Research, Vol.201, pp.873-881.
﹝15﹞Rangan, N.,R. Garbowski, H.Y.Aly, and C. Pasurka(1988), “The Technical Efficiency of USBanks”, Economics Letters, Vol. 28, No. 2, , pp. 169-175.
﹝16﹞Rhee, K. H. and H. K. Pyo, (2010), “Financial Crisis and Relative Productivity Dynamics in Korea: Evidence from Firm-level Data (1992-2003),” Journal of Productivity Analysis, Vol.34,pp.111-131.
﹝17﹞Sherman, H.D. and Gold, F. (1985), “Bank Branch Operating Efficiency: Evaluation with Data Envelopment Analysis,” Journal of Banking and Finance, Vol.9,pp.297-315.
﹝18﹞The Banker,”Top 1000 World Banks 2017”, 2017.
﹝19﹞Tobin, J. (1958). “Estimation of relationships for limited dependent variables”. Econometrica: Journal of the Econometric Society, pp.24-36.
﹝20﹞Yue, P. (1992), “Data Development Analysis and Commercial Bank Performance: A Primer with Applications to Missouri Banks,” Federal Reserve Bank of ST. LOUIS, January February, 31.
指導教授 黃泓人 李韋憲(Hung-Jen Huang Wei-Hsien Li) 審核日期 2018-7-19
推文 facebook   plurk   twitter   funp   google   live   udn   HD   myshare   reddit   netvibes   friend   youpush   delicious   baidu   
網路書籤 Google bookmarks   del.icio.us   hemidemi   myshare   

若有論文相關問題,請聯絡國立中央大學圖書館推廣服務組 TEL:(03)422-7151轉57407,或E-mail聯絡  - 隱私權政策聲明