本國銀行拓展消費金融之效率分析
碩士 === 東吳大學 === 經濟學系 === 91 === During these years consumer loan from banks increases, which is more and more valued by the banking industry. Banks not only pay attention to corporate loan, but also increase consumer loan. This study applied the stochastic cost frontier model of Battese a...
| Main Author: | |
|---|---|
| Other Authors: | |
| Format: | Others |
| Language: | zh-TW |
| Published: |
2003
|
| Online Access: | http://ndltd.ncl.edu.tw/handle/13255876743173903803 |
| Summary: | 碩士 === 東吳大學 === 經濟學系 === 91 === During these years consumer loan from banks increases, which is more and more valued by the banking industry. Banks not only pay attention to corporate loan, but also increase consumer loan.
This study applied the stochastic cost frontier model of Battese and Coelli (1993) to measure the cost inefficiency index for 45 banks in Taiwan.
Also , this paper estimates the relationship between the consumer loan ratio index and cost inefficiency index.
The empirical results of this paper show that the degrees of consumer loan ratio of bank does not effect the bank’s cost inefficiency index. The bank in the higher consumer loan ratio probably has the higher efficiency. The consumer loan ratio probably to raise bank cost efficiency.
|
|---|