| Summary: | 碩士 === 中國文化大學 === 財務金融學系 === 106 === After the global financial crisis, issues such as financial supervision and bank risks have drawn increasing attention. Financial reforms of various countries have strengthened relevant laws and regulations, intensified financial supervision and im-plemented Basel III norms, etc., hoping to strengthen bank risks and improve its sta-bility. Since previous studies mainly focused on the global situations, European region or only financial supervision, but very limited research explored the impact of finan-cial supervision and risks on bank efficiency at the same time.
This study is intended to target banks in Africa, with the study period from 2003 to 2015. The empirical results showed that African banks are engaged in high-risk businesses and, and therefore increased their cost efficiency. With regard to supervi-sion measures, the efficiency of the banks declined when the supervision power in-creased. The strengthening of market discipline and private monitoring helped im-proving the banks' technical efficiency. The increase in the banks' business restrictions enhanced its cost efficiency. As for deposit insurance, the deposit insurance mecha-nism reduced the technical and scale efficiency of banks but increase cost efficiency.
In terms of interaction, technical efficiency and scale efficiency improved sig-nificantly when the degree of risk and capital requirements were strengthened at the same time. When the government increased supervision power, the cost efficiency of banks improved. When the banks' income was more diversified, the scale efficiency and cost efficiency increased; and higher capital adequacy ratio significantly improved bank efficiency.
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