| 摘要: | 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。;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. |
