| Summary: | 碩士 === 國立中興大學 === 應用經濟學系所 === 101 === The business performance of the banking industry has profound impact to the stability of the society and the prospect of the nation’s macroeconomic. Every bank’s business performance depends on each of its branch’s operating efficiency; hence, for enhancing the overall business performance to increase the competitiveness, all banks’ management levels attach great importance to the evaluation of branch operating efficiency.
This study applies the Data Envelopment Analysis (DEA) in the evaluation of branch operating efficiency for 144 branches of a certain domestic bank across 3 years from 2010 to 2012. The analysis is assisted with the dynamic model Malmquist Index to evaluate the variation of the index under different time frames and to break it down into efficiency variation and technical efficiency variation for the study of the causes of productivity variations. In addition, simple Tobit regression analysis is conducted respectively to efficiency and productivity for the study of external factors affecting efficiency and productivity.
The result indicates (1) from 2010 to 2012, within the 144 evaluated units’ 3-years average efficiency ratings, only 29 branches are relatively efficient with a ratio of 20.37%; 115 branches are relatively inefficient with a ratio of 79.63%; (2) for branch productivity index variation analysis, the variation of the total factor productivity index shows growth from 2010 to 2011 and within which the main drive stems from the efficiency growth; and from 2011 to 2012, the variation of the total factor productivity index turns out to have declined and within which the main drive stems from the decline of the technical efficiency; (3) in the regression analysis, the foreign exchange undertaking amount, wealth management, interest income, technical efficiency, pure technical efficiency, scale efficiency, and productivity index are all positive correlated and the overdue loan ratio, on the other hand, is negatively correlated to efficiency and productivity.
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