The Research of Electronic Banking and Production Efficiency in Financial Institution for Domestic Banks in Taiwan

• Main Authors: Fu-Hon Fang, 方裕弘
• Other Authors: Ai-Chi Hsu
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/60473191649996398386

碩士 === 國立雲林科技大學 === 財務金融系碩士班 === 92 === After Taiwan was became the WTO (World Trading Organization) member in 2002, the deregulation of financial market accelerated the development of its financial market and created many financial holding company. While the change made Taiwan’s financial institutions faced the most serious competition and challenge, so as to worse the operation performance of banks, from high profit dropped to low or no profit. Recently, due to the popularity of Internet, it attract all industries engagement and almost replace traditional financial activities. As we know, bank is the critical role of funding and financing in business activity and most financial services was applied to information technology (IT). In order to replace brick-motors banking services, many banks spent large amount to build up electronic bank system for their customers in electronic commerce, such as ATM, phone banking, electronic money (Store-value card), PC banking, Internet banking, mobile banking, etc. Banks invested huge capital mean to increase their performance, but they were disappointed, I think this issue is very important and worth to discuss and research. The evaluation of bank operation efficiency is very important, so the research focus on how to evaluate the performance of domestic banks in Taiwan. A procedure that I take advantage of Stochastic Frontier method in empirical researching to build a model in order to measure the performance of 31 domestic banks in Taiwan and using above model to engage the comparative analysis of banks’ production efficiency during 2001 to 2003. In addition, I would like to use the panel data at the same samples and period to get the result of empirical researching in 3 years which has got individual bank’s production efficiency and sorting and the purpose of getting the high confidence interval. However, I could look out the result of empirical researching that is decreasing production efficiency in 2001-2003. And there are high significantly differently in average production efficiency.