| Summary: | 碩士 === 淡江大學 === 產業經濟學系 === 84 === The previous papers about professional agriculture
banks in Taiwanmainly focus on the study of financial
policy in agriculture, and theagricultural loan market.
Compared to other papers, this thesis adopts thetheory of
banking firm and takes Nung-Min Bank and Tu-Ti Bank for
examplesto analyze whether they are efficient or not.
The empirical model of this thesis sets the deposits as
inputs,agricultural loans and non-agricultural loans as
outputs. The approach ofordinary least square is applied to
estimate the residual profit function ofthis model.
Through the test of superadditivity and the trans-ray
concavity, theempirical result shows that the banking firm
structure of Nung-Min Bank isnot optimal. Besides, if Nung-Min
Bank operates specializationally, it willget more profits. On
the other side, the superadditivity of Tu-Ti Bank isaccepted,
and it does not take the adventage of specialization.
This paper suggests that Nung-Min Bank and Tu-Ti Bank
extend theirscales by increasing the number of branches or
the business amounts. Bydoing this, these two banks will
profit better. For lasting development ofagriculture, a
critical proposal for the professional agriculture banks isto
expand the agricultural loans.
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