林建甫Lin, Chien-Fu臺灣大學:經濟學研究所廖培晃Liao, Pei-HuangPei-HuangLiao2010-05-052018-06-282010-05-052018-06-282008U0001-2306200823432100http://ntur.lib.ntu.edu.tw//handle/246246/179317自九十年金融控股公司法實施以來，各金融機構積極整合銀行、證券及保險業者，至今已成立14家金融控股公司，期發揮財務、經營綜效，並因而降低成本及增加營收。然而組織大型化、經營多角化之趨勢發展，是否必然提升銀行經營效率？在人力績效上是否發揮綜效？是本文所討論的重點。 本研究採個案研究方法，以富邦金控之富邦銀行及台北銀行為研究對象，蒐集台北及富邦銀行最近十年(民國86年~95年)及36家樣本銀行(民國91~95年)的財務資料，透過隨機邊界法成本函數Cobb-Douglas及Translog成本函數架構本文實證模型，估計本國銀行之無效率值，探討富邦銀行合併台北銀行後的績效。 經分析之後，歸納出下列結論：(1)台北富邦銀行合併後其本身在成本的使用效率上短期內並無轉佳的趨勢。(2)台北富邦銀行合併後在成本的使用效率較其他銀行平均水準佳，是因為台北銀行與富邦銀行在合併前體質較佳。(3)企業磨合文化差異及綜效發生需較長時間。(4)健全金融市場環境及讓金融機構自由公平競爭比政府引導合併重要。Since the Financial Holding Company Law was dispensed in 2001, financial institutes integrated business of banking, securities and insurance aggressively. So far there are 14 financial holding companies. They expect to optimize finance, operate synergetic efficiently . Then keep cost down and increase revenue. However, is it make bank business or manpower performance efficient by organize maximization and deal in many angles. That is a key agenda in the thesis. The research uses the tool of case study and the case is Fubon Bank and Taipei Bank of Fubon Financial Holding Company. For an accurate analysis, I collect Fubon Bank and Taipei Bank’s latest ten years financial information and data from 1997 to 2006 and 36 sample banks’ latest five years financial information and data from 2002 to 2006. Estimate the inefficient value of the national bank and analyze the performance after merger among Fubon Bank and Taipei Bank , through stochastic frontier cost function, Cobb-Douglas cost function and Translog cost function. The research results are as follows: (1)The use of cost does not turn good shortly after merger among Fubon Bank and Taipei Bank. (2) The use of cost is better than the average level of more other banks because the physique is relatively good before merger among Fubon Bank and Taipei Bank. (3) The integration of enterprise''s cultural difference and synergetic result take longer time. (4) Perfect the financial market environment is more important than the merger of government guides.目 錄文摘要…………………………………………………………………i文摘要………………………………………………………………ii一章 緒論……………………………………………………………1.1研究動機……………………………………………………………1.2研究目的……………………………………………………………6 .3研究架構……………………………………………………………6 二章 文獻探討及銀行現況…………………………………………8.1相關文探討…………………………………………………………8.2銀行業現況…………………………………………………………11.3小結…………………………………………………………………17三章 效率概念與實證模型介紹…………………………………18.1效率評估概念與衡量方法…………………………………………18.2實證模型介紹……………………………………………………24 四章 實證分析……………………………………………………27.1富邦銀行與台北銀行概述…………………………………………27.2資料來源及處理…………………………………………………30 .3經營績效分析………………………………………………………33.4小結…………………………………………………………………46五章 實證結論及研究建議………………………………………47.1實證結論……………………………………………………………47.2研究建議……………………………………………………………49考文獻………………………………………………………………50文部份………………………………………………....……….50文部份…………………………………………..…....……...52錄……………………………………………………..……….. 54錄一：三階段DEA分析法……………………………....….… 54錄二：各銀行重要財務指標表………………...…...……….57錄三：各變數相關係數…………………………….....…....61application/pdf684296 bytesapplication/pdfen-US合併台北富邦銀行隨機邊界法成本函數Cobb-Douglas成本函數Translog成本函數mergerTaipei Fubon bankstochastic frontier cost functionCobb-Douglas cost functionTranslog cost functionthesishttp://ntur.lib.ntu.edu.tw/bitstream/246246/179317/1/ntu-97-P95323012-1.pdf