题名

金融自由化對台灣十大行庫營運績效之影響

并列篇名

The Impact of Financial Liberalization on Taiwan's Ten Largest Bank's Operating Performances

DOI

10.29765/TEI.200701.0001

作者

林灼榮(Jwu-Rong Lin)；張國雄(Kuo-Hsiung Chang)；徐啓升(Chi-Sheng Hsu)；邱敬貿(Jun-Mauo Chiu)

关键词

台灣十大行庫 ； 金融自由化 ； 非傳統業務 ； Translog隨機邊界成本函數 ； Ten Largest Banks ； Financial Liberalization ； Nontraditional Activities ； Translog Stochastic Frontier Cost Function

期刊名称

經濟研究

卷期/出版年月

43卷1期（2007 / 01 / 31）

页次

1 - 33

内容语文

繁體中文
中文摘要

本文旨在探討台灣十大行庫，在1981年至2001年間金融自由化，對產出組合（放款、投資、非傳統業務）與營運績效（成本效率、規模經濟、範疇經濟、獲利能力）之影響。實證結果顯示：(1)十大行庫在面對金融自由化衝擊下，僅能在傳統放款上維持競爭優勢，但在投資業務上則面臨嚴重衝擊，而非傳統業務仍有拓展空間。(2)金融自由化雖可刺激十大行庫調整銀行經營體質而強化成本效率並發揮規模經濟，但由於其他內外金融環境因素，而不利於營運效率，進而壓縮獲利空間。
英文摘要

This paper studies the effect of financial liberalization on Taiwan's ten largest banks' output variables (loans, investments, and non-traditional activities) and operating performances (cost efficiencies, economies of scales, economies of scopes, and returns on assets). The empirical results show that: (1) The sample banks still maintain their competitive advantages on loan activities, but have faced a big challenge on their investment activities after financial liberalization, and need to make efforts to enlarge the revenues from nontraditional activities. (2) Although the financial liberalization stimulated the sample banks to enhance their cost efficiencies and improve economies of scales, other inbound and outbound environmental factors have made negative impact on the sample banks' operating efficiencies, and cause their profitability to decline.
主题分类 社會科學 > 經濟學
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被引用次数
  1. 廖振盛(2009)。組織結構與經營績效關聯性之研究：銀行業的實證分析。臺灣企業績效學刊，2(2)，211-227。
  2. 廖振盛(2010)。應用Panel門檻模型衡量影響銀行業經營效率因素之研究。中原企管評論，8(1)，123-142。
  3. 顏晃平、陳柏琪(2018)。台灣銀行業經營效率之分析－共用投入下網絡資料包絡分析法之應用。應用經濟論叢，104，139-183。
  4. 顏晃平、張靜文(2011)。本國銀行業成本效率之研究─共同邊界函數應用。經濟研究，47(1)，147-181。
  5. 張子溥、胡均立、邱齡慧(2016)。應用隨機共同邊界分析法探討兩岸銀行業之分項投入效率。應用經濟論叢，100，149-181。
  6. (2008)。台灣藝術的主體性與全球化現象—從數位交往平台的觀點論起。藝術研究學報，1(2)，45-76。
  7. (2017)。加入WTO 後兩岸銀行業經營效率與生產力變動分析。臺灣銀行季刊，68(3)，102-120。
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