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| 題 名 | 應用模糊評估模式於銀行經營績效之實證研究=Fuzzy Evaluation Model Applied on Bank Performance: An Empirical Study |
|---|---|
| 作 者 | 黃添財; | 書刊名 | 龍華科技大學學報 |
| 卷 期 | 31 2011.12[民100.12] |
| 頁 次 | 頁103-115 |
| 分類號 | 562.29 |
| 關鍵詞 | 模糊評估模式; 銀行; 經營績效; 重心法; Fuzzy evaluation model; Bank; Performance; Centroid; |
| 語 文 | 中文(Chinese) |
| 中文摘要 | 1989年公布修正後的銀行法,孕育了金融自由化的環境,使得銀行數量不斷增加;除此之外,金融環境的劇烈變動以及金融國際化的現象日益明顯,這些因素都導致銀行間競爭日益劇烈。因此,為因應內外部環境激烈競爭的威脅,如何評估並提升經營績效,便成為各銀行業者努力的目標。以往的相關研究文獻顯示,大多數評估工具都是以統計方法評估銀行的經營績效。但是以統計方法應用在評鑑各項評估因素時,卻沒有考慮到人類決策時主觀判斷的模糊性,以致無法將語意化的資訊完整呈現。有鑑於此,本文導入模糊集合理論於評估銀行經營績效流程,進而建立銀行經營績效模糊評估模式。在實證研究部分,本文以5家銀行為研究對象,並以這些銀行的財務年報表資料作為實證的數據,以驗證評價模式的可操作性。評價模式流程中採用模糊理論結合標準常態分配的創新觀念,藉以評估經營績效。藉由模糊理論的特性使評估的過程更符合實際需求,並提供評估結果做為銀行決策者及投資大眾參考之用。 |
| 英文摘要 | The deregulation of finance circumstance was constructed while the new bank act announced, and this situation induces the increasing of number of banks continuously and caused the banks in strict competition. Since performance is a crucial factor of competitive ability, it plays an important issue for banks’ authority. According to research results of the past literatures, it reveals that evaluation performances of bank are commonly obtained through questionnaires with sampling, processed by statistical analysis methods. After computation process, the results of performance of each evaluation factors are thus obtained. However, the vagueness of linguistic terms used by decision maker, such as important etc., are not considered when assessment of relative weight results. Therefore, In order to obtain more precise aggregate evaluation results, a fuzzy evaluation framework is proposed, in which the linguistic terms are replaced by fuzzy numbers, followed by a computational process. The proposed model in this paper is more effective than the traditional statistical methods and will increase the applicability of bank performance evaluation in practice. In this paper, an empirical study is given and shows that the advantages of the fuzzy evaluation model is more objective than that of the statistical methods. |
本系統中英文摘要資訊取自各篇刊載內容。