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民營化對三商銀的經營績效與生產力之比較分析

作者:鄭明嘉
畢業學校:東吳大學
出版單位:東吳大學
核准日期:2011-08-24
類型:Electronic Thesis or Dissertation
權限:Copyright information available at source archive--scu....

中文摘要

本研究在探討一銀、華銀、及彰銀,民營化前(1995-1997年)與民營化後(1998-2009年)之營經績效與生產力的分析。
本研究採用資料包絡分析法,分析三商銀民營化前後經營績效之變化,再以差額變數分析提供管理階層改善建議,最後利用Malmquist生產力指數,來探討民營化前後跨期間之生產力的變化。
研究結果如下:
一、三商銀民營化後其整體營經績效雖有改善,但幅度並不顯著,造成無效率的原因為規模無效率。
二、結果顯示,三商銀不論在民營化前或後於營業費用與利息費用上,皆有過度投入的現象。
三、Malmquist生產力指數顯示,民營化後三商銀的總要素生產力較民營化前下降,而影響生產力下降的原因為技術的變動。

英文摘要

This study aims to discuss the long-term performance before and after the privatization of First Bank, Hua Nan Bank ,and Chang Hwa Bank from 1995 to 2009.
The Data Envelopment Analysis (DEA) was mainly applied to evaluate the change of performance before and after the privatization in this study. Furthermore, it indicated the inefficiency for the improvement of management through Slack Variable Analysis. At last, the author applied Malmquist index to discuss the change of productivity after the privatization.
The three results of this study are as fallows :
1. In general, three commercial banks operating performance was improved after privatization than before, but not significant. The reason comes from the inefficiency of scale.
2. The findings showed that there are over-invested on operating and interest expenses of those three commercial banks.
3. Finally, Malmquist index demonstrated that the amount of Total Factor Productivity of three commercial banks after privatization is lower than before. It could be caused from the technical change.


口試委員 - 徐政訏

口試委員 - 謝德宗

指導教授 - 林炳文


 

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