| Summary: | 碩士 === 東吳大學 === 經濟學系 === 91 === This research uses data envelopment analysis to verify the impact of the efficiency to banks through the promotion e-banking. It will use the following parameters as the input variables including the deposit,interest payment,salary expense,transaction amount of automated-teller machine and transaction amount of financial electronic data interchange. The output variables will be loan,interest revenue and other revenues.
Conclusion：
1. The banks with good performance won’t implement the service of financial electronic data interchange as the priority and the e-banking also doesn’t assure the banks with the better performance.
2. The banks first providing the service of financial electronic data interchange have better performance in the variation of technical efficiency and production capability.The banks which Credit Cooperatives converted also enlarge the production scale and upgrade the production technology from others although they are not using the service of financial electronic data interchange to increase the capabilities of production and competition.
According to this research ,it will be hard to see the good performance for the banks without efficiently intergrating financial resources,eliminating the non-value clerk,cutting out the operating cost and increasing the competency though many of the large banks are strongly promoting the e-banking.For the small and medium-size banks,they could build up the competency of competition only if they widely use the tool of e-banking to increase their business scale.
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