本研究旨在探討金融創新對國內銀行業經營效率與生產力之影響，研究期間為2004~2006年，以32家國內銀行為樣本，並透過資料包絡分析法(Data Envelopment Analysis, DEA)及Malmquist生產力指數進行分析。並以三項產出(放款總額、投資總額、金融商品創新手續費收入)、三項投入價格(資本投入量、資金投入量、員工人數)作為設定，對國內銀行業作經營效率的分析，以瞭解目前銀行的經營概況，及了解金融創新是否增加產業的活力，進而提昇銀行經營效率及生產力，為銀行帶來擁有較優勢的市場競爭力。研究結果顯示金融產品創新的程度愈高對經營績效有正向影響，金融創新研究實證結果不論在技術效率、純技術效率及規模效率皆優於無金融創新。 The purpose of this research is to examine the effect financial innovation has on the domestic bank‘s management efficiency and productivity. The research applies the DEA and Malmquist’s production function on a sample of 32 domestic banks from year 2004 to 2006. We include in the model total loan amount, total investment, income from handling financial commodity innovation) as output variables and three input prices (capital inputs, fund inputs, staff population) to analyze the management efficiency of domestic banking industry in order to better understood how the present banks work through the finance innovation. The results indicate that the more innovated the the financial product, the more positive effect it will have on the management efficiency. The results also show that banks with financial innovation are superior to banks without innovation in technical efficiency, pure technical efficiency and scale efficiency.
