| 摘要註: |
在金融自由化與國際化的衝擊下，銀行業的經營環境不斷變遷改革，使得整體環境充滿機會與威脅，金融體系的健全與否攸關著經濟與社會能否穩定發展。1991年政府開放15家民營銀行設立後，台灣金融業蓬勃發展。近年來，越南在亞太地區的經濟發展與投資環境甚獲投資者青睞，台資企業轉向越南等東南亞地區找尋第二生產基地。因此，台資銀行也跟隨台商腳步布局亞洲市場，拓展商機，提升銀行獲利機會，分散經營風險，擴大國際競爭力。因此，如何分析銀行的競爭優劣勢及選擇最佳的經營策略，尋求最佳績效，應為銀行首要面臨的重要課題。擬定競爭策略時，必須先暸解銀行之相對效率為何?哪些因素會影響其經營效率?故本研究擬從效率觀點切入，採資料包絡分析法 ( Data Envelopment Analysis, DEA)為分析工具，除就資料包絡分析法之基本觀念、模式演進及使用程序等先予以說明釐清外，並以二家台資公銀與四家越南上市銀行為研究對象，蒐集2006年至2013年財務資料等予以實證，進行效率分析、差額變數分析、敏感性分析、總要素生產力變動分析等，藉以觀察這六家銀行長期營運相對效率之變化。研究發現，銀行增資後的效率表現優於增資前的效率表現；台資銀行效率表現優於越資銀行；第一銀行胡志明分行的技術效率變動、生產技術變動均呈現成長趨勢，總要素生產力變動成長幅度最大。本文應為國內第一篇針對越南台資與越資銀行進行營運績效評比的實證論文，將時間序列資料(time-series data)轉換成縱橫斷面資料(panel data)，進行總要素生產力變動的動態分析，亦為本研究獨特之處。 In the financial liberalization and internationalization title shot, the changing banking environment reform, making the overall environment is full of opportunities and threats, the soundness of the financial system at stake whether the economic and social stability and development. After 80 years of Republican government opened 15 private banks established in Taiwan's financial industry to flourish kill exhibition. The face of major changes in the overall domestic financial ecology in recent years, Vietnam's economic development and investment environment in the Asia-Pacific region and even favored by investors, Taiwan-funded banks turning Vietnam and other Southeast Asian region to find a second production base. Therefore, Taiwan-funded banks have to follow the footsteps of the layout of the Asian markets of Taiwan to explore business opportunities, enhance the profitability of the bank the opportunity to spread business risk, and expand international competitiveness. So, how to analyze the bank's competitive advantages and disadvantages, and choose the best business strategy, seeking the best performance, is an important issue to be faced by the banks. Formulating competitive strategy, we must first understand the relative efficiency of all banks. What factors will affect its operating efficiency? Therefore, this study intends to cut from an efficiency point of view , mining data envelopment analysis (DEA) as analytical tools , in addition to the information envelope basic concept analysis , the model evolution and use of procedures such as first be described clarified , but be positive and two Taiwan public-funded banks and four IPO banks in Vietnam for the study, collected from 2006 to 2013 financial information, etc., for efficiency analysis, slack variable analysis , sensitivity analysis, changes in total factor productivity analysis, in order to observe these six banks long-term changes in the relative efficiency of operations . The study found that the efficiency of the performance of the bank 's capital after the capital increase before the superior efficiency performance ; Taiwanese banks outperformed the more efficient banks ; changes in technical efficiency of the first bank branch in Ho Chi Minh City, the changes showed a growing trend in production technology , changes in total factor productivity greatest growth . This article shall be first and the more domestic-owned banks operating performance appraisals for Vietnam Taiwan-funded empirical thesis, the time series data converted into panel data, changes in total factor productivity conduct dynamic analysis, which is also the study unique. |