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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/136558


    Title: 自動櫃員機對銀行經營效率影響之研究
    An Analysis of Impacts of Automated Teller Machine on the Operating Efficiency of Banks
    Authors: 林亞璇
    Lin, Ya-Hsuan
    Contributors: 林祖嘉
    林亞璇
    Lin, Ya-Hsuan
    Keywords: 自動櫃員機ATM
    銀行效率
    隨機邊界分析法
    Date: 2021
    Issue Date: 2021-08-04 15:58:35 (UTC+8)
    Abstract: 台灣的ATM密度為全世界數一數二的，且ATM的交易次數和交易金額也是逐年的攀高，但近年來非現金支付方式的出現，為ATM帶來了巨大的考驗，且ATM雖然能為銀行節省人力成本，其背後之運作成本也不低，因此本文欲研究屬於金融創新產物之一的自動櫃員機（Automated Teller Machine，ATM）對本國銀行經營效率之影響。採用Time-varying的隨機邊界分析法，生產函數設為Cobb-Douglas和Translog兩種模型，以銀行獲利和ATM交易情況衡量產出，ATM、流通金融卡、資產、分行和員工數作為投入，並控制總體環境與金融海嘯的時間虛擬變數，估計2006年第1季至2020年第4季台灣30家銀行的經營效率。綜合兩模型的實證結果，ATM可以為銀行帶來益處，能增加銀行的營收和稅前盈餘，也能使ATM的交易增加，為銀行帶來額外的收入。但隨著時間，有愈來愈技術無效率的趨勢，且從整體銀行的平均效率來看，銀行在運用投入的分配上仍有很大的改善目標，而擁有較多ATM的前幾家銀行在效率排名之間也有不小的差異，所以各家銀行需明白自家ATM在銀行業和使用者中的地位，以提升經營效率。
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    Description: 碩士
    國立政治大學
    經濟學系
    108258017
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0108258017
    Data Type: thesis
    DOI: 10.6814/NCCU202101016
    Appears in Collections:[Department of Economics] Theses

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