题名

台灣金融控股組織對銀行效率之影響

并列篇名

The Impact of Joining Financial Holding Company on Taiwan Bank Efficiency

DOI

10.6295/TAMJ.2009.0901.05

作者

朱炫璉(Hsuan-Lien Chu)；吳志銘(Chih-Ming Wu)

关键词

金控組織 ； 兩階段估計方法 ； 資料包絡分析法 ； Financial Holding Company ； Two-stage estimation methods ； Data Envelopment Analysis

期刊名称

台灣管理學刊

卷期/出版年月

9卷1期（2009 / 02 / 01）

页次

97 - 114

内容语文

繁體中文
中文摘要

本研究主要探討加入金控組織對銀行效率之影響，然而過去文獻指出選擇加入金控組織的銀行通常具備某些特性，為避免加入金控組織變數的內生性問題影響實證估計的結果，我們利用兩階段估計方法(two-stage estimation methods)檢驗加入金控組織對銀行效率之影響。本研究之實證結果顯示，目前金控組織對銀行的經營效率為顯著的負相關，推論其原因可能為金控銀行因併購所產生的組織複雜化，導致難以控制的代理成本等問題，致使其相對於非金控銀行並未有較優異之效率表現。此外，本研究另以銀行員工產值替代DEA效率值及考慮銀行加入金控存續期間對本實證模型進行敏感性分析。結果顯示加入金控對員工產值有正向的顯著影響；而考慮銀行加入金控存續期間後，結果指出加入金融控股組織對銀行的相對效率值仍為顯著負相關。
英文摘要

The objective of the study is to examine the impact of joining Financial Holding Company (FHC) on bank efficiency. We account for the endogeneity of joining FHC and use the two-stage method to examine the effect of joining FHC. Our results suggest that banks joining FHC are on average less efficient than banks without joining FHC. It indicates that the consolidation may increase organization's complexity and agency costs. Therefore, banks joining FHC are not more efficient. In addition, we also conducted several sensitivity tests. First, the labor productivity was used to measure the bank performance instead of efficiency. We found that banks joining FHC have higher labor productivity than banks without joining FHC. Second, we also incorporate duration of joining FHC in the model. The results still indicated that banks joining FHC are less efficient than banks without joining FHC.
主题分类 社會科學 > 管理學
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被引用次数
  1. 劉清標、張雅涵(2013)。臺灣金控公司多角化經營效率分析。臺灣企業績效學刊，6(2)，171-194。
  2. 王幸麗（譯）、Paskert, James P.(2016)。醫院財務透明化與醫師之間的關係：醫師管理者領導院內財務透明化。會計與財金研究，9(1)，1-10。
  3. 張美玲、張佳其、方靜月(2013)。綜合證券商獲利能力影響因素之探討。商管科技，14(4)，471-497。
  4. 鄭政秉、陳仁屏、梁連文(2015)。模擬BASEL III 新資本監管對台灣銀行業成本效率之影響。管理與系統，22(2)，175-203。
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