金融控股法實施—台灣銀行業經營績效之研究

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Title:	金融控股法實施—台灣銀行業經營績效之研究
Other Titles:	THE IMPLEMENTATION OF THE FINANCIAL HOLDING COMPANY LAW--A STUDY OF THE OPERATING PERFORMANCE FOR BANK IN TAIWAN
Authors:	郭秋香 Kuo, Chiu-hsiang
Contributors:	財務管理研究所徐清俊 Ching-jun Hsu
Keywords:	生產力指數分析;金融控股法;資料包絡分析法 Data Envelopment Analysis (DEA);productivity index analysis;Financial Holding Company Law
Date:	2005
Issue Date:	2019-03-21 09:23:45 (UTC+8)
Abstract:	本論文以台灣地區上市、上櫃的銀行為研究樣本，探討台灣銀行業2000年至2003年之間，在金融控股法的實施前後，各家銀行經營績效的變化情形。並進一步比較巳加入金控公司下的銀行與未加入金控公司下的銀行，其效率值的差異性。本研究先以仲介法的觀點選取變數，利用資料包絡分析法(DEA)評估各家銀行的效率值。研究結果發現如下：　1.樣本銀行在政府實施金融控股公司法後，其效率值並沒有優於銀行成立金融控股公司前的效率值。2.在技術效率、純技術效率、規模效率及差額變數分析方面，巳加入金控公司下的銀行，其經營績效優於未加入金控公司下的銀行。3.以Mann-Whitney檢定來進一步檢定銀行在成立金融控股法前後之差異，發現技術效率、純技術效率和規模效率都無顯著的差異。而在金控下銀行與非金控下銀行的差異檢定方面，發現技術效率和純技術效率有顯著的差異，而規模效率則無顯著的差異。4.在Malmquist生產力指數分析中，巳加入金控公司下的銀行，其經營績效成長率的提升要比未加入金控公司下的銀行還要好。　　The banks listed on the TSE and the Gretai in Taiwan are selected as the study samples for this thesis. The thesis probes the change in the operating performance for banks in Taiwan from 2000 to 2003 when the Financial Holding Company Law was implemented. Furthermore, this study also compares the difference of efficiency measures between the banks that joine financial holding companies and those banks that do not join financial holding companies. Variables are initially selected by the intermediation approach, and the Data Envelopment Analysis (DEA) is employed for evaluating the efficiency measure for each bank. The following results are found: 　1.After the Government implemented the Financial Holding Company Law, the efficiency measures of the sample banks are not superior to the efficiency measure of the banks before they established financial holding companies. 2.In respect to overall efficiency, pure technical efficiency, scale efficiency, and slack variable analysis, the operating performance of the banks joining financial holding companies are not superior to that of banks not joining financial holding companies. 3.The Mann-Whitney test is employed to further test the difference between before and after the establishment of the financial holding companies. It is found that there are no significant differences in respect to pure technical efficiency, technical efficiency, and scale efficiency. For banks joining financial holding companies compare with banks not joining financial holding companies, it is found that there is a significant difference in respect to pure technical efficiency and technical efficiency rather than scale efficiency.4.In the Malmquist Productivity Index Model analysis, the growth rate of operating performance for banks joining financial holding companies is better than that for banks not joining financial holding companies.
Appears in Collections:	[Department of Finance, The M.A. Program of Financial Management] Disserations and Theses

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