本論文係以上海商業儲蓄銀行的分行機構作為研究對象，分析該銀行分
支機構效率值變化，並分析數位化浪潮下數位化對分行績效的影響。利用該行68 家分行2013 年至2017 年的營運資料，第一階段採用資料包絡法(Data　Envelopment Analysis , DEA)估計各分行的技術效率，結果發現五年的技術平均為0.510，且年度間的差異不大，中間偏低的效率值。第二階段的Panel　Tobit 估計發現行動網銀的數量對技術效率具正向的影響。最後，將上海銀行對分行評比的關鍵績效指標(Key Performance Indication , KPI)與技術效率逐年進行相關分析，相關性程度不高，可能導因於KPI 存在總行對於年度策略目標的標準與配分，故與效率值的排名上存有差異。

This thesis utilize branch-level data of the Shanghai Commercial and Savings Bank Research to analyze their technical efficiency and how the degree of digitalization affects technical efficiency of branches. Based on a
panel dataset of 68 branch banks for the period 2013-2017, the first stage estimation by using data envelopment analysis (DEA) finds that the average
technical efficiency value reaches only a moderate level of 0.510 and it shows a small variation across years. On the second stage, using the panel tobit model to implement empirical estimation, we confirm a positive
relationship between mobile banking and technical efficiency, highlighting the importance of digitalization business for banks. Finally, the correlation analysis finds a low correlation between key performance indication (KPI) and technical efficient. It is because the KPI target designated by headquarter considers some specific targets and branch mission, thereby leading to this low correlation.

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