頁籤選單縮合
題 名 | 郵政儲金匯業局規模與多元生產經濟之分析=Economies of Scale and Scope in the Directorate General of Postal Remittances and Savings Banks |
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作 者 | 許碩芬; 林明俊; | 書刊名 | 公營事業評論 |
卷 期 | 1:4 1999.11[民88.11] |
頁 次 | 頁27-44 |
分類號 | 557.664 |
關鍵詞 | 金融跨業; 壽險; 規模經濟性; 範圍經濟性; 自然獨佔; Financial conglomeration; Life insurance; Economies of scale; Economies of scope; Natural monopoly; |
語 文 | 中文(Chinese) |
中文摘要 | 在自由化浪潮的衝擊下,金融機構超市化成為時勢所趨。 郵政儲金匯業局不僅為 一典型之多元產出產業,同時在金融市場亦佔有一席重要地位。本文之目的在於分析郵政儲 金匯業局經營各項金融業務時之規模與範圍經濟性。 以 Baumol et al. ( 1982 )所提出 之理論架構為基礎,利用 translog 函數建構計量模型,並由實證推估所得之參數值計算規 模與範圍經濟值。研究結果發現,在規模經濟方面,郵政儲金匯業局之各項業務並不具備規 模經濟性,探討其成本彈性,發現部分業務經營效率不彰。另一方面,簡易壽險與儲金業務 之間,具備範圍經濟性。其理由可歸納為:與消費者接觸時間長短,簡易壽險商品特質與儲 金之儲蓄性質相同,以及郵局形象良好等因素。對於未來金融機構跨業之方向,建議應從商 品性質相同的業務範圍著手。並由於郵政匯業儲金局不具備自然獨佔之特性,故應開放部分 (或全部)業務民營,以市場競爭提高經營效率。 |
英文摘要 | Due to the impact of deregulation, the trend towards financial conglomeration has become unstoppable. The Directorate General of Postal Remittances and Savings Banks not only provides a widely variety of financial services but also plays an important role in Taiwan's financial market. This study is based upon the theoretical framework proposed by Baumol et al. (1982). We employ the translog form as cost functions to estimate the economies of scale and scope of the DGPRSB. From the empirical results, we found no economies of scale in the joint production of the DGPRSB, which is possibly a reflection of the highly bureaucratic nature of DGPRSB system. On the other hand, the SCOPE values are significantly less than zero for premium income and the number of deposit and withdrawal. This indicates that the length of time spent dealing with customer is the key factor to evaluate the economies of scope. In addition, some normative implications are made according to the empirical findings. |
本系統中英文摘要資訊取自各篇刊載內容。