| 摘要註: |
受國際自由化影響,政府法令鬆綁並完成金融控股公司法之制定後,大幅放寬了銀行經營項目,又因傳統存放款業務利差大幅縮水,使銀行不得不朝無風險之手續費收入發展。而面臨低利率時代,一般民眾已很難靠存款利息獲得超額的利潤,微利時代的到來,也是靠個人理財的時代。金融環境也因此產生很大的變化,傳統的存放款利差已無法滿足銀行對獲利的要求,且由於逾期放款、呆帳居高不下,更加深銀行在經營上的困難度,因此理財業務因應而生,且近年來更在金控公司加持下蓬勃發展。因此銀行為了在金融市場上經營,除了本身的業務外,另提供理財方面的服務,且透過銀行的行銷通路來進行銷售,銀行得藉由代理銷售理財商品,來賺取除利息收入以外的收益,確實挹注了銀行豐碩之盈餘,也同時滿足客戶一次購足之需求,創造雙贏的局面。本研究以2013-2014年A銀行各分行資料為研究樣本,使用資料包絡分析法(DEA)計算各銀行分行的營運效率,並依產出變數分為兩模型,再依其型態區分成南北區分行、新舊分行、大小分行、不同年度,觀察理財收入對這四個分群的分行之影響。研究發現:1.A銀行分行所屬之區域、規模、年齡、年度均會影響分行的營運效率:2.理財收入權重大於利息收入權重,代表理財收入已逐漸取代利息收入,成為A銀行的主要收入來源。 By the international impact of liberalization, deregulation and government decree after the completion of the development of the Financial Holding Company Act, a substantial relaxation of the bank management projectscome up. Because the traditional deposit and loan business spread has shrunk dramatically, so that banks develop toward fee income. Facing the era of low interest rates, the general public has been difficult to rely on deposit interest earned excess profits. The arrival of low-profit era, but also by personal financial profit era. The traditional deposit and loan spreads have been unable to meet the requirements of the bank profits. Because of overdue loans, non-performing loans remains high, the degree of difficulty even more deeply in the business of banking. Therefore, in response to financial services and health, and in recent years more in the next financial holding company plus flourish support.Banks to operate in the financial markets, in addition to its own business, the other financial aspects of services provided. Banks have to be sales agent of financial products, to earn income other than interest income. Indeed inject a great surplus of banks, and also one-stop shopping to meet customer demand, and create a win-win situation. In this study, 2013-2014 A bank branches information for the study sample, using data envelopment analysis (DEA) to calculate the operational efficiency of bank branches. According to the output variable in two models, then dividedpatternbydifferent areas (north and south branches), established year (new and old branches), branch size,varied year,toobserveits effects of financial income on these four grouping.The study found that the area in which the bank's branches, size, age, the year will affect the operational efficiency of branches. Further financial income weight is greater than the weight of interest income, representing the financial income has been gradually replaced by the interest income, the main source of revenue of bank branches. |