| Summary: | 碩士 === 真理大學 === 管理科學研究所 === 95 === In recently years, the extremely competitive bank market sector in Taiwan. Whereas branches of bank heavily utilize resources efficiently, the inputs utility and outputs create rates have received increasing in study attention in Taiwan. However, conventional data envelopment analysis (DEA) evaluated the bank branches based on traditional items, e.g. cost inputs and income outputs, without considering the undesirable-factor such as the ratio of non-performing loans. Therefore, this study uses a novel evaluate model to identify the utility rate of resources in the bank market sector for enhancing branches operations. More specifically, the Tobit regression model then to indicates the factor of efficiency forecasting. Data are obtained from case bank database. The DEA model included undesirable-factor pioneering for Seiford and Zhu (2002) is used to determine the operational efficiency of each case bank branches. Next, Tobit regression model is adopted to calculate and indicates the forecasting factor. Analysis results indicate the average efficiency score is 95.25% of the case bank, and 26 branches are efficiency. Moreover, the efficiency score is different in conventional DEA and the included undesirable-factor DEA model. Most inefficient branches cause of waste the personnel expense and profit insufficient. Moreover, suggest the deposit of bank share is the significantly forecasting factor of bank branch operational efficiency; however, the number of employees is significantly negative relationship with efficiency; additionally, the location is a not significantly factor. The study results via the undesirable-factor DEA model and Tobit regression model can offer feasible strategies for bank branches managers to enhance the performance. Moreover, in addition to contributing to efforts to allocate resources effectively in the highly competitive bank market sector.
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