电大金融管理毕业论文范文.docVIP

★★★代笔服务---论文写手,Q Q：1 6 4 5 1 5 6 9 7 保证过关！包修改 組織變革對銀行經營績效之影響 Ching-Jun Hsu, Professor, and SHU-HUI HUANG, Graduate Student INSTITUTE OF FINANCIAL MANAGEMENT, NAN HUA UNIVERSITY 摘要DEA探討個別銀行及三種類型銀行群其相對效率（TE）、純粹技術效率（PTE）、及規模效率（SE），最後以Tobit迴歸探討組織變革(相對資產規模、非利息收入佔營收比、分行數、ATM設置數、消費性貸款市佔率、多角化程度)對經營效率之影響。其實證結果如下： (1)由DEA實證結果得知1999至2003大多數銀行其相對效率值呈現下降趨勢；而開放銀行設立後成立之銀行群優於開放前成立之銀行群，信合社改制之商銀則表現最差。開放銀行設立後成立之銀行群、信合社改制之商銀應增加其規模；而開放前成立之銀行群大部份應縮減其規模。 (2)由Tobit迴歸得知組織變革對相對效率之相關性：ATM設置數、消費性貸款市佔率、相對資產規模、非利息收入佔營收比呈正相關，分行數、多角化程度呈負相關。 關鍵詞：。Abstract In recent years, the interest spread between deposit and lending interest rates has been shrinking. In order to improve the competence and operational performance, financial institutions have been undertaking a reformation of organization one after another and extending non-traditional business through diversification of financial commodities to increase diversification of levels. Therefore, this study firstly probed individual banks by DEA from the point of view of cross section and Technical Efficiency (.TE), Pure Technical Efficiency (PTE) and Scale Efficiency (SE) of three types of bank groups. At last, the Tobit Regression was applied to probe the impact of the change of organization (relative assets scale, non-interest income to sales revenue ratio, number of branches, number of ATM service points, market share of consumer loans, diverse level) on operational efficiency. The empirical results are as follows: It is found from the result of DEA that the relative efficiency measure for most banks for the period from 1999 to 2003 showed a trend of decrease. The bank groups which were founded after the regulations controlling establishment of banks were opened up performed better than the bank groups which were founded before the establishment of banks was opened up. The performance of the commercial banks which were transformed from credit cooperatives was the worst. The bank groups founded after amendment of regulations and the commercial b