本文主要研究目的在於探討各區域經營型態與海域性差異對於當地漁會信用部經營的影響，並分析各信用部的成本效率值、規模經濟與範疇經濟。 在區域性差異方面，顯示漁會信用部所面臨的地理位置對於漁會信用部影響並不明顯；而在經營型態變數部分，顯示獨資漁撈型漁家較有利於當地信用部的經營。綜合上述，顯示經營型態對於該區域信用部有較明顯的影響，而在區域位置的影響則不明顯。 在規模經濟與範疇經濟部分，本文顯示漁會信用部均存在規模經濟，雖然臺灣地區漁會信用部具有規模經濟現象，但是獲利能力仍然不佳，顯示漁會信用部存在資源閒置的問題；在範疇經濟部分，顯示各漁會信用部均存在範疇經濟，但分析各項產出之成本互補性，卻發現漁會信用部之產出間，均沒有顯著的成本互補性，參考聯立方程式之估計結果，專業放款項對於漁會信用部之成本效率值為顯著的負向關係，表示專業放款增加不利於信用部成本效率。 最後，預計於93年成立的全國農業金庫，未來將以承作農漁業專業放款為主，但影響漁會信用部成本無效率的主因，即是由於專業放款所造成，因此本文認為未來農業金庫的營運前景並不樂觀。

The purpose of this study is to discuss the influence locl credit association's efficiency from operational method and regional difference, and analysis credit association of credit of cost efficiency, scale of economies, scope of economies. The experimental outcomes of this study have shown to an affect credit association of credit associations of cost efficiency factor that the operating methods than geography position are significantly influenced. About estimate results of scale and scope economies, our empirical show all Fishermen's credit associations to exist signal scale economies, but credit association profit ability not fine, we consider this resulting from the wastefulness of the management and wasted resources. About scope of economies, our results suggest all credit association to be scope of economies, however, when we quote by panzar (1989) bring up estimate similar terms to estimate it, we can found an opposite conclusion. We consider major reason of scope of uneconomies resulting from the inefficiency of specialty loans. We to consult of joint equations, we inference the credit association of cost inefficiency cause by the increase in the specialty loans.