E-Banking Operating Performance and Spillover Effect of Native Banks

• Main Authors: Hu Ming Ze, 胡明志
• Other Authors: 謝振環
• Format: Others
• Language: zh-TW
• Published: 2003
• Online Access: http://ndltd.ncl.edu.tw/handle/82037548403054977480

碩士 === 銘傳大學 === 經濟學研究所 === 91 === E-Banking Operating Performance and Spillover Effect of Native Banks Abstract In this paper we apply a panel data model from Cornwell, Schmidt, and Sickles(1990) to analyze the cost efficiency of SME banks in Taiwan for 1999－2001.Our model allows us to estimate time-varying efficiency levels for an individual bank without imposing strong distributional assumptions on the error terms. The relative efficiencies among these banks are calculated each year and the determinants of banking efficiency are found by the regression of the random-effect model. Our major findings are：(1) On average, the level of the cost efficiency for Chiaotung bank was very highest, while that for SME Bank of Overseas Chinese was the lowest.(2) By our outcomes knowing，E-Banking and Spillover Effect played important roles in promoting the cost efficiency of the SME banks.