安泰商業銀行各消費金融業務分行經營效率之研究-資料包絡分析法之應用

• Main Authors: Andrew C.Y. Tsai, 蔡清雲
• Other Authors: Professor Chau-Chen Yang
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/17852214743616557682

碩士 === 國立臺灣大學 === 財務金融學研究所 === 92 === There has been an upsurge of merger & acquisition in the financial sector in recent years with significant changes in the financial market. The financial innovation and product along with the diversified development has led to the intensive competitions among the peers. It becomes an increasingly important issue for the management of banks to encounter the challenges and re-examine the directions for banking services. Since the performance of each branch will constitute the overall output of the banks while the consumer banking is the emerging niche of the banking industry, most bank’s executives are now trying to adjust their operational strategies through understanding the efficiency of the branches with the attempt to re-allocate the limited resources. ‘Data Envelopment Analysis’ ( DEA ), in contrast to the traditional financial ratio analysis, is used to measure the efficiency of the business institutions by integrated indicators. My research in this thesis adopts this ‘Data Envelopment Analysis’ as my theoretical model to establish a budget evaluation that includes four input items: employee cost, other operating expenses, interest expenditures and non-performance loans. Four output items of loans, income before income tax, interest revenue and non-interest revenue are also considered in order to assess the operating efficiency of EnTie Commercial Bank’s forty-one branches for their performance in the same property of consumer banking of in 2002. The finding of my research reflects positive correlation with the actual assessment done by Bank’s head office within individual branches. It suggests that the overall average efficiency of the well-performing branch is larger than that of the poor-performing ones. Moreover, this research allows the Bank to revise the strategies for branch management; it also allows the bank to improve both its strength and weakness. This signifies a great achievement, for the Bank can make a better use of the resources allocation. Furthermore, based on the result of the overall efficiency evaluation, the head office can then assign the workforce, adjust the payroll structure as well as determine the business direction to reduce operating cost and risks and to enhance the efficiency of the branches for the ultimate goal of more business growth and revenue increase.