Applying Data Envelopment Analysis to Assess the Performance of the Credit Department of Grassroots Farmers' Association

• Main Authors: Huang, Siang-Huei, 黃翔徽
• Other Authors: Chang, Tzu-Pu
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/9b5tmu

碩士 === 國立雲林科技大學 === 財務金融系 === 107 === This study mainly discusses the operating performance of credit department of farmers' association, the research objects are 147 credit departments in 106 years and 107 years respectively, The Two-stage Network DEA model is applied to evaluate the performance, and Combine operating capacity efficiency and profitability efficiency to form a management matrix. Based on the results of empirical analysis, the following conclusions are drawn： 1. The first stage of operating capacity analysis shows that the operating capacity of the credit department has a good performance, however, in the second stage of profitability analysis, the main reason for the inefficiency is that the interest income cannot be reflected in the current profit and loss. 2. In the four categories of credit department in the management matrix, the credit department with high operating efficiency and low profit efficiency has the largest number, which can adjust the lending conditions to enhance the quality of lending, or develop new services to increase revenue. 3. Organize personnel and operating costs are the items to be most adjusted, and redundant organize personnel is the problem facing most of the credit department. if the credit department of can cooperate with the government actively promote agriculture related policy loan business actively promote agricultural policy loans, through the government interest subsidy should be of considerable benefit to the benefits.