銀行交易網路化之經營績效影響因素分析－－以個案銀行為例

The Study of Operating Performance of e-Banking Business and Influential Factors - the Case of M Bank

我國的金融業在國際化及自由化的潮流下，以及其他相關之金融法規的開放下，使得銀行的業務範圍形成許多不同的業務種類；網路銀行即是其中一項重要的業務項目。本研究以個案銀行的101家分行為研究對象，研究資料包括個案銀行經營績效上之投入與產出相關資料，以2012年為研究期間，透過資料包絡分析法以及Tobit迴歸模型，探討個案銀行的經營績效及其影響因素。研究結果顯示，有6家分行處於最適的狀態下經營，而大多數決策單位（90家分行）的規模報酬狀態為遞增狀態，應可藉由擴大本身的營運規模，如增加行銷、理財及櫃檯等人員，以提高其業務量。另外，經由Tobit迴歸分析得知，在企業網路銀行開戶數、個人網路銀行開戶數、企業網路銀行轉帳筆數、個人網路銀行轉帳筆數、存款額及成立年限等變數均呈現顯著性。

To face the trend in the development of financial internationalization, liberalization, and deregulation in Taiwan's financial markets, intense competition forces banks to expand banking businesses. Among them, the e-banking business becomes important.This study investigates the operating performances of 101 branches of B Bank. The data was collected under different input-and output-related variables from M Bank during 2012. Through the application of data envelopment analysis (Data Envelopment Analysis, DEA) and the method of Tobit regression, the study analyzes the resource allocation among branches and possible influential factors on operation performance. The empirical results show that there are six branches under constant return to scale and therefore achieve overall complete efficiency. Meanwhile, the study also finds that most of branches (90 branches) are scale inefficient and under the state of decreasing returns to scale. For these branches, expanding scale of operation may improve performance. Finally, the results of Tobit regression indicate that the number of e-banking accounts and e-banking transferring from both business and consumer units, the amount of deposit, and the time of starting operation are the significant influential variables.