NVESTIGATING THE OPERATION EFFICIENCY OF TAIWAN'S BANK INDUSTRY –A COMPARATION STUDY ON THE IMPLEMENTATION OF THE FINANCIAL HOLDING COMPANY ACT

• Main Authors: Sun-Yue Chow, 周孫宇
• Other Authors: Ching-Jun Hsu
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/76034671876414780609

碩士 === 南華大學 === 財務管理研究所 === 92 === 　　This thesis uses the stochastic cost function model to investigate the operational efficiency of 30 banks in Taiwan. The data covers from 1998 to 2003. We first estimate the cost efficiency and the factors of bank’s efficiency. We finally investigate the economy scale and scope of banks. The thesis shows that： 1.The excess cost must increase while banks increase the amount of loan and investment. 2.The number of banks’ branches and the financial capital adequacy significantly deny banks’ cost which expresses that the banks in Taiwan have increased their economy scales. 3.The results of efficiency factor model show that banks should keep lower interest-sensitive gap. 4.Banks should engage in lower risk loan and investment to reduce non-performing loan. 5.Business banks have better performance than Small and Median Commercial banks. Moreover the result shows that the performance have improved since the FHCs has acitived. 6.All banks’ ASCE do not equal to one that presents that they have increased their usage ineconomy scale. In addition economy scope are not significant.