A Research of the Relationship Among Overdue Loan Ratio,Bad Debts and Efficiency -An Empirical Study of Banks

• Main Authors: Tsung-Ju Tsai, 蔡宗儒
• Other Authors: Chung-Chun Wu
• Format: Others
• Language: zh-TW
• Online Access: http://ndltd.ncl.edu.tw/handle/52095397485033952333

碩士 === 國立宜蘭大學 === 經營管理研究所碩士班 === 95 === We first manipulate the DEA(Data Envelopment Analysis) model to measure the technical efficiencies of each bank, then we employ the Tobit regression method to analyze the factors that will impact the technical efficiency of banks. After all, it discovers as follows： 1.The study shows that average of aggregate efficiency is 0.846. 2. According to the results from Tobit regression analysis, it shows that the overall technical efficiency measure is related to some financial ratios. 3. Although overdue loan ratio may increase management efficiency, pursuing overdue loan ratio excessively could cause the raise of bad debts, and declining the efficiency.