| Summary: | 碩士 === 國立高雄第一科技大學 === 金融營運所 === 94 === Abstract
In line with the drastic transformation in the climate of the world economy, the
conventional government-run banks are tremendously challenged by the irresistible
trends of liberalization and internationalization. To promote the organize reform is the
hot issue of breaking through managing predicament at present. After the lush growth
of new banks, exceeded numbers of branch became the roots of deteriorating financial
system. The phenomenon makes low prosperity and increase the non-performance
loans with unsuitable management and also creates the financial crisis. Thus it’s
necessary to discuss the managing efficiency and organization structure of a bank to
achieve the best operation efficiency.
The study uses data envelopment analysis model to estimate operating efficiency
of the bank . The methodology of the research is adopting the intermediary approach
by taking number of staffs, deposit, foreign exchange as input variables and the
volume of loan, surplus as output variables. Then this thesis utilizes data envelopment
analysis to evaluate the efficiency of each regional corporate banking center. After
that, we adopt with the regression model of the Tobit to analyze the correlation
between operating efficiency on the location of each branches and some variables like
business volume, insurance agency, executive, non-performance loan ratio.
The research samples 156 branches of C-Bank, and the period covers from 2001
to 2004. The main findings of the study are summarized as following: The means of
overall efficiency in the evaluated branch is 0.5160 which shows 48.4% of resources
not to generate any profit. The situation mostly due to the scale inefficiency,The
reason is that most branches are under the situation of increasing returns to scale. The
result shows that deposit-loan has statistically positively related on overall technical
efficiency; and deposit business has positively related; and insurance business has not
statistically related with it. Deposit-loan are statistically positively related with scale
technical efficiency; and deposit business has not statistically related with it; and
insurance business has statistically positively related.
In short, the application of organization Restructure must be able to achieve the
goal of improving operation efficiency of the bank.
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