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題 名 | 應用DEA評估C銀行辦理中小企業信用保證融資業務績效之研究=A Study of Applying DEA to Assess Performance on C Bank for Credit Guarantee by Financing Small and Medium Enterprises |
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作 者 | 劉自強; 莊嘉建; 房利朋; | 書刊名 | 中小企業發展季刊 |
卷 期 | 13 2009.09[民98.09] |
頁 次 | 頁191-213 |
專 輯 | 信用保證與中小企業 |
分類號 | 562.29 |
關鍵詞 | 銀行; 中小企業信用保證; 績效評估; 資料包絡分析法; Bank; Small & medium enterprises credit guarantee; Performance evaluation; Data envelopment analysis; |
語 文 | 中文(Chinese) |
中文摘要 | 本文以2008 年12 月底本國C 銀行近300 家分行(成立3 年以上)為研究對象, 隨機選取業務評比組別第H 組4,其中18 家分行2008 全年營運資料作為研究樣本, 探討銀行辦理中小企業信用保證融資業務之績效評估模式,研究方法應用資料包絡分 析法(Data Envelopment Analysis, DEA)進行分析評估,以作為決策者經營方針之參 考。所蒐集樣本觀察值,使用DEA-Solver 電腦軟體進行效率分析;包含分析18 家分 行辦理中小企業信用保證融資業務績效之整體效率、純技術效率、規模效率、參考群 體分析、敏感度分析及潛在改善值分析,分析結果不僅可篩選出相對無效率分行之觀 摩學習標竿,應改善策略亦可明確提出建議。實證結果顯示,C 銀行可參用本研究評 估模式有效提升整體營運績效以創造競爭優勢。本研究評估模式若廣為全體行庫所參 用,將可全面提升各行庫辦理中小企業信用保證融資業務之成效,對於協助中小企業 融資,進而促進中小企業之健全發展,增進我國經濟成長與社會安定則有相當之貢獻。 |
英文摘要 | This study explores C bank which has nearly 300 branches and they have been established over three years by the end of December 2008. The research samples were randomly selected to assess the operational grouping section H. There are 18 branches’ operation data as study samples throughout the year of 2008. The evaluation model of performance by financing credit guarantee for small & medium enterprises on bank is applying Data Envelopment Analysis to conduct the assessment as references for decision makers. Samples collected from observations use computer software DEA-Solver for efficiency analysis. The study includes 18 branches of the performance by financing credit guarantee for small & medium enterprises analysis of the overall efficiency, pure technical efficiency, scale efficiency, analysis of reference groups, sensitivity analysis and the potential to improve the value of analysis. The results not only selected branches’ credit department of the relative inefficiency of the study to observe the standard, but also could be a clear strategy for improving recommendations. The empirical results show that C Bank may adopt this study’s evaluation model as references to upgrade the overall operating performance effectively for creating competitive advantage. Assessment model in this study if all banks are widely used as reference, would be a comprehensive upgrading of various banks for financing credit guarantee for small & medium enterprises business results, to help finance small & medium enterprises, thereby promoting the sound development of small & medium enterprises, to promote our country's economic growth and social stability will be a considerable contribution. |
本系統中英文摘要資訊取自各篇刊載內容。