篇名 | 外資進入對兩岸銀行業成本效率之探討 |
---|---|
卷期 | 13:2 |
並列篇名 | Different Impacts of Foreign Investment on the Cost Efficiency between Taiwan’s and China9s Banks |
作者 | 梁連文 、 婁天威 、 朱育德 |
頁次 | 071-094 |
關鍵字 | 外資進入 、 兩岸銀行業 、 成本效率 、 隨機邊界法 、 共同邊界 、 Foreign Investment 、 Cross-Strait Banking 、 Cost Efficiency 、 Stochastic Frontier Approach 、 Meta-frontier Approach |
出刊日期 | 201609 |
多數的研究顯示,外資銀行進入會提升地主國銀行部門的效率,外 資持有股權愈高銀行愈有效率,能顯著地改善本國銀行的效率與競爭 性。故本研究擬利用隨機邊界法(stochastic frontier approach, SFA),分別 從外資進入中國與臺灣的觀點來評估其對銀行業成本效率之影響,並進 一步利用 Battese, Rao, and O’Donnell (2004)提出的 meta-frontier approach 估計兩岸共同成本邊界函數,比較外資進入前後兩岸銀行成本效率之差 異。實證結果顯示:外資的進入有助於提升兩岸銀行業的成本效率,其 中的原因,推估包含外資帶來較新的管理和技術、充裕資金、風險控管、 資訊系統以及產品的創新。
The majority of studies have shown that the entry of foreign banks will increase the efficiency of the host country banking sector, foreign ownership higher the bank more efficient, can significantly improve the efficiency and competitiveness of domestic banks. Therefore, this study intends to use the Stochastic Frontier Approach (SFA), respectively from foreign capital to enter China and Taiwan view to assess the impact of the cost efficiency of the banking sector, and further use of Battese, Rao, and O,Donnell (2004) meta-frontier approach to estimate their meta-frontier cost function before and after the comparative foreign capital into the differences between the cross-strait banks5 cost efficiency. The empirical results show: the entry of foreign help to improve the cost efficiency of cross-strait banking sector, one of the reasons, the estimate contain foreign bring newer management and technology, sufficient capital, risk control, information systems and innovative products.