臺灣銀行業經營效率與市場占有率之研究

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Title:	臺灣銀行業經營效率與市場占有率之研究
Other Titles:	AN INVESTIGATION OF OPERATION EFFICIENCY AND MARKET SHARE OF TAIWAN BANKING INDUSTRY
Authors:	邱志雄 Chiu, Chih-hsiung
Contributors:	財務金融學系財務管理碩士班張瑞真 Jui-chen Chang
Keywords:	市場占有率;資料包絡分析法;經營效率 Operation Efficiency;Market Share;Data Envelopment Analysis (DEA)
Date:	2008
Issue Date:	2015-05-09 17:52:50 (UTC+8)
Abstract:	本研究目的為探討臺灣銀行業之經營效率，並探討市場占有率與銀行業經營效率的關聯性，研究期間為2002年至2006年，以臺灣42家國內銀行為樣本，透過資料包絡分析法及Tobit迴歸模型分析國內銀行業市場占有率對經營效率之影響。本研究結果發現：(一)在2006年整體效率值趨近於1者有10家，其中金控銀行占7家，顯示個別金控銀行在相對的整體效率上進步的情形較一般商業銀行明顯。(二)在2006年的整體效率值上顯示，臺灣銀行業過度競爭，以致產生存放款利差變小，利潤率變低，使32家銀行效率值仍未達到1，仍需提高技術與規模範疇，來增加經營績效。(三)在2002年至2006年各銀行效率值與市場占有率之Tobit迴歸分析發現，放款市占率與效率值呈負相關，表示臺灣銀行業雖然提高放款市占率，但其存放款利差反而縮小，以致提高市占率的效率未顯現出來。本研究建議金控銀行應加強整體整合能力、銀行業應提高手續費收入市占率以及加強放款品質控制能力，才能真正提高臺灣銀行業之經營績效。　　The purposes of this study are to evaluate the operation efficiency and to investigate the relationships between the efficiency and market share in Taiwan banking industry. The empirical analyses are carried out using the Data Envelopment Analysis (DEA) and Tobit regression on 42 domestic banks over the period of 2002 to 2006. The empirical evidence indicates as follows: 1) In 2006, the overall operation efficiency scores of ten banks are near to 1, and among them 7 are financial holding companies, indicating that the increament of overall operation efficiency in financial holding companies is better than that in traditional commercial banks; 2) The average efficiency over the period of 2002-2006 exhibits that the overbanking in Taiwan banking industry had resulted in the narrow interest spread between deposits and loans and then caused the lower profit, as indicated by the less than 1 efficiency scores for most banks. In this regard, banks have to be devoted to enhance their technology and scope of scale to gain the operation efficiency; 3) There is a negative relationship between efficiency and market share on total loans, but the interest spread is otherwise decreasing. Hence, this study suggests that Financial Holding Companies should integrate their overall operation capability, increase the market shares on fee revenues, and enhance the quality of loans control in order to upgrade their overall operation efficiency.
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