상호저축은행의 지역별 효율성 비교분석- 글로벌 금융위기와 저축은행 영업정지 사태가 저축은행 효율성에 미친 영향을 중심으로 - - 글로벌 금융위기와 저축은행 영업정지 사태가 저축은행 효율성에 미친 영향을 중심으로 이 논문은 2011년도 정부재원(교육과학기술부 사회과학연구지원사업비)으로 한국연구재단의 지원을 받아 연구되었음(NRF-2011-330-B00044).
A study on the regional comparative analysis about the mutual savings banks' efficiency
0
조회
0
다운로드
11
인용
0
참고문헌
키워드
초록
This study estimates the efficiency of mutual saving banks (MSBs) using the Data Envelopment Analysis (DEA) method. The sample period is from 2006, the prior year to the global financial crisis, to 2011, the most recent year for which data are available. The purpose of this study has two folds. First, we estimate and analyse the efficiency of MSBs by regions. Second, we try to find out how the global financial crisis in 2007 and the incident of massive suspension of MSBs in 2011 have affected the efficiency of MSBs. We find that average efficiency of MSBs in Capital area and big cities is relatively higher than that in other areas. We also find that both the global financial crisis and the incident of suspension of MSBs have a negative effect on the efficiency of MSBs. The former has a much more negative effect on the efficiency of MSBs than the latter.
Abstract
This study estimates the efficiency of mutual saving banks (MSBs) using the Data Envelopment Analysis (DEA) method. The sample period is from 2006, the prior year to the global financial crisis, to 2011, the most recent year for which data are available. The purpose of this study has two folds. First, we estimate and analyse the efficiency of MSBs by regions. Second, we try to find out how the global financial crisis in 2007 and the incident of massive suspension of MSBs in 2011 have affected the efficiency of MSBs. We find that average efficiency of MSBs in Capital area and big cities is relatively higher than that in other areas. We also find that both the global financial crisis and the incident of suspension of MSBs have a negative effect on the efficiency of MSBs. The former has a much more negative effect on the efficiency of MSBs than the latter.
참고문헌 (19)
- 김인철, "DEA를 이용한 외환위기 전후의 은행 효율성 비교 분석", 산업조직연구, 11(2), pp.1~28 (2003), 한국산업조직학회
- 박승록, "우리나라 一般銀行의 生産 效率性과 合倂 效果", 금융연구, 7(2), pp.31~60 (2002), 한국금융학회
- 백자욱, "IMF를 전후한 은행의 경영 효율성 분석", 산업경제연구, 14(1), pp.109~120 (2001), 한국산업경제학회
- 백자욱, "회계적 자료를 이용한 국내소재 은행의 효율성 분석", 국제회계연구, 17(17), pp.265~290 (2007), 한국국제회계학회
- 안종길, "DEA와 Malmquist Index를 이용한 국내은행의 효율성 분석", 한국경제연구, 16, pp.5~39 (2001)
- 이용주, "IMF체제 돌입 전후시점의 국내 은행들의 경영효율성 평가 : DEA기법을 적용하여", 생산성논집, 14(2), pp.125~153 (2000)
- 이영수, "상호저축은행의 경영효율성 분석", 금융연구, 22(2), pp.91~121 (2008), 한국금융학회
- 정운찬, "우리나라 은행산업의 효율성: Fourier Flexible 비용함수의 분석을 중심으로", 경제학연구, 48, pp.85~114 (2000)
- 최진배, "부산지역 가계대출과 서민금융기관 -서민금융기관에 대한 기대와 과제*", 지역사회연구, 15(2), pp.29~55 (2007), 한국지역사회학회
- 홍봉영, "외환위기 이후 국내은행의 생산성？변화 측정:1997년～2000년", 재무관리연구, 19(1), pp.5~151 (2002), 한국재무관리학회
- 홍완표, "지역간 금리격차의 존재-상호저축은행의 금리를 중심으로", 지역사회연구, 12(1), pp.75~94 (2004), 한국지역사회학회
- Baumol, W. J., "Contestable Markets and the Theory of Industry Structure", Harcourt Brace Jovanovich, ~ (1982)
- Banker, R., "Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis", Management Science, 30(9), pp.1078~1092 (1984)
- Berger, A. N., "Measurement and Efficiency Issues in Commercial Banking, In Output Measurement in the Service Sectors, National Bureau of Economic Research", pp.245~279 (1991), University of Chicago Press
- Charnes, A., "Measuring the Efficiency of Decision-Making Units", European Journal of Operational Research, 2(6), pp.429~444 (1978)
- Drake, L., "Relative Efficiency in the Branch Network of a UK Bank : An Empirical Study", Omega, 22(1), pp.83~90 (1994)
- Ferrier, G. D., "Measuring Cost Efficiency in Banking : Econometric and Linear Programming Evidence", Journal of Econometrics, 46(1), pp.229~245 (1990)
- Hunter, W. C., "Technical Change, Organizational Form, and the Structure of Bank Production", Journal of Money, Credit and Banking, 18(2), pp.152~166 (1986)
- Sherman, H. D., "Bank Branch Operating Efficiency : Evaluation with Data Envelopment Analysis", Journals of Banking and Finance, 9(2), pp.297~315 (1985)