| Summary: | 碩士 === 國立高雄第一科技大學 === 金融營運所 === 94 === ABSTRACT
The Thesis use the methodology of Date Envelopment Analysis to
evaluate the performance of 65 branchs of one local commercial bank. The
period for the study is from 2003 to 2004 and intermediary method is used to
chose interest expense,high salary staff,low salary staff as inputs data and
chose deposit volume,loan volume,foreign exchange and trade volume,net
profit after less NPL as outputs data. Further we apply TOBIT model to test
the relations of the performance and three variables:deposit-loan ratio,the
spread rate of deposit rate and loan rate,wether change the chief of branch’s
manager. The major finding are:
Caused by the economic’s recovery and the booming of financial holding
company outside the bank and organsitation rebuild, the intergration of
computer operation system and better control of the non-performance loan
inside the bank, the overall efficiency are more efficiency on 2004 than 2003.
Th branch at northern island are more efficieny than southern branch’s. i.e.
the souther the lower. The branch at metropolitan are more efficiency than
agriculture’s.
The means of overall efficiency in the evaluated branch is 77%. i.e. 23% of
resources are wasted. It needs finding way to improve.
The interest spread between loan and deposit on overall efficiency show
negative related but non statistically related on pure and technical efficiency.
The loan and deposit ratio are positive related on pure efficiency but non
statistically related on others. However the change manager or not are shows
non related on all efficiency results.
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