| Summary: | 碩士 === 國立中興大學 === 高階經理人碩士在職專班 === 93 === Over the past decade, the development of the banking industry has faced many bottle necks. After removal of controls on interest rates and foreign exchange, risks confronted by banks on such items has increased dramatically. In 1991, fifteen private banks were established and since 1997, credit cooperative associations were encouraged to transform into commercial banks. This has caused a major increase in banks with excessive homogeneity; the competition has become more and more vigorous and the survival space has been compressed.
The expression of operative performance in a bank is the sum of operative performances from each branch of such bank. Under the present status of less and less financial control, more and more new business, where various automatic equipment progressively replaces original manpower, the audit on operative performance of branches has become increasingly important.
This research took 141 branches of a specific bank as specimens, where two combinations of “3 inputs & 2 outputs” and “3 input & 3 outputs” were used to perform the estimation in DEA mode and the following conclusions were derived:
1. Most of the inefficiency indicators from operations of each branch under the subject bank came from pure technical and scale inefficiency; but the result from “3 outputs over 2 years” revealed obvious improvement in both scale and technical efficiency. Overall speaking, operations of each branch under the subject bank have improved progressively over the years, if only that the gradient still seems insufficient. We believe that the efficiency of the branch still has space to improve.
2. While it might be necessary to replace the managers, this would not show obvious results on improving performance of the branches. Thus only suitable selection of personnel as branch managers can effectively improve the operative performance.
3. By taking number of personnel as classification on scale of branch, it is proved that value of operative efficiency from larger scale branches has better operative ability comparing to small scale branches.
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