| Summary: | 碩士 === 東吳大學 === 經濟學系 === 99 === Abstract
This research is to analyze the performance of SME's bank loans between 30 domestic banks and 64 Japan Regional Banks by using stochastic frontier method (Stochastic Frontier Approach; SFA) and one stage maximum likelihood model from 2006 to 2009.We calculate technology gap ratio to understand the performance impact on bank financing of SMEs by meta-cost function.
Our analysis of this study shown below:
(1) Increase the ratio of loans to SMEs can increase both countries bank cost inefficiency.
(2) Over loan ratio, coverage ratio, increase the number of branches, also can cause banks operating performance to be worse for both countries.
(3) The financial tsunami occurrence had greater cost inefficiency impact on Bank of Japan than the Bank of Taiwan.
(4) Both countries of comparison in the technological gap ratio, the Japanese Banking industry's technological gap ratio is small. This demonstrated its bank cost control technology performance is better.
(5) Bank of Japan surpasses the Taiwan banking industry in the metafrontier cost efficiency.
Keywords: SMEs, Cost Efficiency, Japan Bank, Stochastic Frontier Approach, Metafrontier Cost Function
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