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非利息收入對台灣銀行經營績效之影響 = Analysis of Non-...

國立高雄大學國際高階經營管理碩士在職專班(IEMBA)

非利息收入對台灣銀行經營績效之影響 = Analysis of Non-Interest Income to the Operational Performance of Taiwanese Banks

紀錄類型:	書目-語言資料,印刷品 : 單行本
並列題名:	Analysis of Non-Interest Income to the Operational Performance of Taiwanese Banks
作者:	黃時舟,
其他團體作者:	國立高雄大學
出版地:	[高雄市]
出版者:	撰者;
出版年:	2014[民103]
面頁冊數:	53面圖，表 : 30公分;
標題:	DEA
標題:	DEA
電子資源:	http://handle.ncl.edu.tw/11296/ndltd/99867248644952337190
附註:	參考書目：面40-44
附註:	103年12月16日公開
摘要註:	隨著1991年開放新銀行設立及2001年金融控股法實施後，銀行的競爭日益的白熱化，而服務也趨向多元化，開發新的服務成為每一家銀行的首要目標，2009年以前因存、放款利差的減少，台灣的銀行業的確在非利息收入方面投入了不少心力，使得非利息收入在營運收入的比重逐年增加。本研究以2011-2013年34家台灣銀行業資料為研究樣本，應用資料包絡分析法來進行績效分析，並依產出變數分為兩模型，總收入與利息收入加非利息收入，再以無母數檢定觀察不同型態和不同資金結構的銀行效率值之差異。研究發現，衡量不同型態與不同資金結構商業銀行的績效時，應將分別計算利息收入與非利息對銀行績效之影響。在不同型態之商業銀行績效研究結果顯示，金控銀行總收入的純技術效率與規模效率明顯優於非金控銀行，金控銀行和非金控銀行之非利息收入的純技術效率和規模效率並無明顯差異；另一方面，新銀行與舊銀行的實證結果，新銀行總收入的純技術效率明顯優於舊銀行，而規模效率無明顯差異，新銀行非利息收入的規模效率顯著優於舊銀行，至於純技術效率則無明顯差異。以不同資金結構的商業銀行實證結果顯示，非泛公股銀行的總收入明顯較非泛公股具有規模及純技術效率，但兩者在非利息收入則無明顯的效率差異；泛外資銀行與非泛外資銀行的實證結果，在總收入方面泛外資銀行明顯比非泛外資銀行具純技術效率，而非利息收入方面，泛外資銀行則明顯比非泛外資銀行具有規模效率，其餘則無明顯的效率差異。最後，比較研究期間各年度之效率結果顯示，台灣銀行業整體沒有顯著的效率差異。 As the operation environment becomes more liberate and competitive since 1991, non-interest incomes, provided from different services, is increasingly important for the banks, especially when the interest rate spread decrease in 2009. This study applies data envelopment analysis (DEA) and nonparametric test to investigate the performance of 34 Taiwanese banks between 2011 and 2013. In accordance with the output variables, two models are constructed in the study: the total income and the non-interest income. Study also clusters the sample into four groups: financial holding banks vs. non-financial holding banks, old banks vs. new banks, state-owned banks vs. non-state-owned banks, and foreign domestic banks vs. non-foreign domestic banks. The result suggested that interest and non-interest significantly and differently contributes to the performance of banks. Financial holding company has significant pure technical efficiency and scale efficiency than non-financial holding company in the model of total income, yet no difference in the model of non-interest income. The empirical results of old banks and new banks indicate that the pure technical efficiency of new banks is significant higher than old banks when discussing the total income. On the other hand, in the model of non-interest income, new banks have significant higher scale efficiency than old banks. Results show that state-owned banks have better efficiency in both scale and pure technical efficiency than non-state-owned banks in the model of total income, but have insignificant difference in the model of non-interest income. Study also reveals that discussing the total income, the foreign domestic banks have higher pure technical efficiency than non-foreign domestic banks. In the aspect of non-interest income, the foreign domestic banks then have significant scale efficiency than non-foreign domestic banks. Finally, the results of nonparametric test indicate insignificant efficiency different in the observation period.

非利息收入對台灣銀行經營績效之影響 = Analysis of Non-Interest Income to the Operational Performance of Taiwanese Banks
黃, 時舟

非利息收入對台灣銀行經營績效之影響 = Analysis of Non-Interest Income to the Operational Performance of Taiwanese Banks / 黃時舟撰 - [高雄市] : 撰者, 2014[民103]. - 53面 ; 圖，表 ; 30公分.
參考書目：面40-44103年12月16日公開.
DEADEA

非利息收入對台灣銀行經營績效之影響 = Analysis of Non-Interest Income to the Operational Performance of Taiwanese Banks
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