| Summary: | 碩士 === 淡江大學 === 會計學系 === 87 === Abstract
Tltle of Thesis：A Study of Civilization for Public Professional Bank-from the past performance
Total pages：127
Key word：Civilization，Public Professional Bank，DEA
Name of Institute：Graduate Institute of Accounting TAMKANG University
Graduate Date：June, 1999
Name of student：Liao, Kai-Ping Adviser：Dr. Yeh Chin-Chen
廖 凱 平 葉 金 成 博士
Until 1997，the number of banks in Taiwan has been approached 35。The competition of public and private bank is intense。To upgrade public banks’ performance，the authorities brings up a policy of civilization。There is a contradictory between upgrading performance and its professional role in public professional banks。Research data includes 41 banks in Taiwan from 1987 to 1997 of public professional banks in effectiveness analysis，and only 1997 of all banks in efficiency analysis。In efficiency analysis，the study separate all banks into three groups-public professional banks、public unprofessional banks and private commercial banks。
The empirical analysis are performed in the following ways：Fist，analyze and test effectiveness of individual public professional banks to understand (1)the degree of approaching effective goal；(2)compares the effectiveness of professional banks in different supposed statutory loan ratio。Then，analyze the efficiency of three kinds of banks by DEA to understand(1)the efficiency value of all bans；( 2)the difference the efficiency between all banks；(3)to find out the reason that cause the significant difference 。
The results of this study are as follow：
1. In the aspect of effectiveness analysis，during the past 11 years，all three professional banks have approached the ordered loan ratio，but Famers’Bank and Chiao-Tung Bank didn’t pursue high ratio of statutory loan actively。Furthermore，according to the original data，it reveals that the statutory loan scope of the three professional bans is overlapping。
2. In the aspect of efficiency analysis，the professional banks are significant better than private commercial banks in technical efficiency。The main reason is that public professional banks have better scale returning。Moreover，professional banks do not do well in allocating efficiency and it reveals public professional banks have problems in fund alloclting。
3. From the past performace of public prefessional banks，it reveals that there is a stable foundation of civilization for public professional banks。In order to look after both of performance and professional characteristics，the government could take two following programs：First，decrease the number of public professional banks to avoiding overlapping and let one professional bank perform all the statutory loan.。Second, after the civilization of public professional banks，the government could entrust private banks to execute statutory loan and subsidies the policy cost。
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