本研究係以安泰商業銀行之營業分支機構作為研究主題，主要目的為分析該銀行之營業分支機構經營效率變化，以瞭解該銀行各營業分支機構經營效率表現，以茲做為銀行層峰經營策略訂定之參考。本研究資料來源取自該銀行之營運概況資料，以2004年至2006年該銀行全省53家營業分支機構作為研究對象，採用三階段DEA模型估計銀行之效率值，第一階段以原始資料求得調整前的原始效率值，第二階段再調整環境變數，以開戶數、臨櫃交易量、電子銀行交易量、營業單位屬性等四類作為外在環境變數；同時亦調整隨機誤差對效率值之影響，將調整後的投入量再重新代入DEA，可得到調整後第三階段之效率值並藉以探討銀行效率值的變化。
實証結果顯示，經過對環境變數與隨機誤差項之調整後，效率值第一階段與第三階段皆存在顯著之差異，顯示環境變數與隨機干擾項確實影響銀行效率之表現。經過調整後，第三階段所得之效率值已去除外生變數與隨機誤差之影響，更能代表該銀行全省營業分支機構之經營管理效率。利用求得之第三階段效率值來估算該銀行全省營業分支機構前後的效率值變化影響，使銀行經營管理者能夠針對各營業分支機構之實際經營效率做出正確的判斷決策與經營分針。

This research is to regard the opening in the branch of one new bank as the theme of studying, main branch''s business efficiency change of opening in order to analyse this bank of purpose , in order to understand that branch''s business efficiency that this bank each opens behaves , regard running the reference that the management tactics of range upon range of mountains of the bank stipulate now as. This research materials source is taken from this bank trip affair and report the materials, 53 of the whole province of bank will open in the branch as the research object from 2004 to 2005, adopt and estimate the efficiency value of the bank at three stage DEA models, the first stage tries to get the primitive efficiency value before adjusting with the firsthand infor mation , adjust the environmental parameter again at the second stage, in order to make four kinds , such as amount , facing the trading volume of the cupboard , electronic trading volume of bank , business unit attribute ,etc. as external environmental parameter; Also adjusting the random influence on efficiency value of error at the same time, the input amount after adjusting takes the place of and enters DEA again, can get the efficiency value of adjusting the last the third stage and change using to probe into the efficiency value of the bank .
The real example result shows, through to the adjustment of environmental parameter and random error one, the apparent difference all exists to worth the first stage and the third stage in efficiency , show the environmental parameter with interferes a behavior that really influences the efficiency of the bank at random. After changing, grow the influence of parameters and random error except already going in efficiency value of the third stage income , can open the efficiency of management of the branch on behalf of this bank the whole province. Making use of the third stage efficiency value tried to get to estimate the efficiency value change t hat the whole province of bank opens before and after the branch influences, make bank administrator can to open actual business efficiency of the branch make correct judgement decision and deal in the minute hand each.

一、中文文獻
1. 林崇雄、林宜德
2001，『以資料包絡分析法探討一個區域銀行之各分行經營績效評 鑑』，亞太經濟管理評論，第4卷，第2期。
2. 葉彩蓮、陳澤義
1998，『台灣公民營銀行經營效率之比較---資料包絡分析法之應用』， 東吳經濟學報--東吳大學經濟所碩士，中經院研究員。
3. 梁志豪
2002，『我國銀行經營效率、技術效率與規模效率之分類研究—資料包絡分析法之應用』，國立清華大學經濟學碩士論文。
4. 黃台心、陳盈秀
2005，『應用三階段估計法探討台灣地區銀行業經濟效率』，貨幣市場季刊，第9卷，第4期。
5. 陳欣妤
2001，『銀行業經營績效—非財務性指標之應用』，國立臺灣科技大學企業管理研究所碩士論文。
6. 陳振遠、吳炳松
2002，『銀行分支機構經營效率評估之研究』，台銀季刊，第53卷，第4期。
7. 陳盈秀
2003，『台灣地區銀行業經營效率--三階段法之應用』，淡江大學經濟學系應用經濟學碩士班碩士論文。
8. 張寶塔、王克陸與梁志豪
2003，『我國銀行經營效率、技術效率與規模效率之分類研究—資料包絡分析法之應用』，管理研究學報，四卷第一期，91-122。
9. 鄭秀玲與劉育碩
2000，『銀行規模、多角化程度與經營分析:資料包絡法之應用』，人文及社會科學集刊，第12卷，第1期，103-148。
10. 蔡素琴
2001，『台灣金融機構經營績效分析-以上市上櫃銀行為例』，義守大學管理科學研究所碩士論文。
11. 廖慧芳
2006，『金控子銀行效率分析—三階段DEA模型之應用』，中央大學產經所碩士論文。
12.盧永祥
2005，『台灣地區農會信用部經營效率之分析—三階段DEA模型之應 用』，台銀季刊，第56卷第3期。
二、英文文獻
Avkiran, N.K.（1999），“The Evidence on Efficiency Gains： The Role of Mergers
and Benefits to the Public, ”Journal of Banking and Finance，23,991-1013.
Aigner, D., C. A. Lovell, and P. Schmidt (1977), “Formulation and Estimation of
Stochastic Frontier Production Frontier Models,” Journal of Econometrics, 6, 21-37.
Akhavein, J. D., A. N. Berger, and D. B. Humphrey, (1997) “The Effects of Megamergers on Efficiency and Price :Evidence from a Bank Profit Function,” Review of Industrial Organization, 12, 95-139.
Banker, R. D. and R. C. Morey, (1986), “The Use of Categorical Variables in Data Envelopment Analysis, ”Management Science, 32(12), 1613-1627.
, A. Charnes and W. W. Cooper, (1984), “Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis, ”Management Science, 30(9), 1078-1092.
Banker，R. D. and R. C. Morey,“Efficiency Analysis for Exogenously Fixed Inputs and Output,Operations Research, 34：4，1986，pp.1613—521.
Charnes, A., W. W. Cooper and E. Rhodes, (1978), “Measuring the Efficiency of Decision Marking Units, ” European Journal of Operational Research, 2(6), 429-444.
, (1981), “Evaluating Program and Managerial Efficiency: An Application of Data Envelopment Analysis to Program Follow Through, ” Management Science, 27, 668-697.
English, M.,S.Grosskopf, K..Hayes and S.Yaisawarng ,（1993）,“Output Allocative and Technical Efficiency of Banks” Journal of Banking and Finance,17, P.349-366.
Elyasiani, Median and Rezvanian,（1994）, “An Empirical Test of Association Between Production and Financial Performance The Case of the Commercial Banking Industry”Applied Financial Economics ,14,P.55-59.
Favero, C. A. and L. Papi, (1995) ,“Technical efficiency and scale efficiency in the
Italian Banking Sector: A Non-Parametric Approach,” Applied Economics, 27, 385-395.
Forsund, R. Finn, C. A. Knox Lovell, and P. Schmidt, (1980), “A Survey of Frontier Production Functions and of Their Relationship to Efficiency Measurement,” Journal of Econometrics, 12, 5-25.
Oral, M., O. Kettani, and R. Yolalan,（1992）, “An Empirical Study Analyzing the Productivity of Bank Branches,” IIE Transactions Vol.24. P.166-177.
Rhoades, S. A., (1986), “The Operating Performance of Acquired Firms in Banking Before and After Acquisition,”, Board of Governors of The Federal Reserve
Seiford, Lawrance M. ,（1996）,“A Bibliography of Data Envelopment Analysis (1978-1990)”, The Journal of Productivity Analysis, Vol.7 , P.99-137.
Sherman H.D. and F. Gold.,（1985）,“Bank Branch Operating Efficiency；Evaluation with Data Envelopment Analysis”， Journal of Banking and Finance 9，P.297-315.
Siems, T.F.,（1992）,“Quantifying Management’s Role in Bank Survival”,（1992）, Economic Review （Federal Reserve Bank of Dallas ）, P.29-41.
Yue Piyu ,“ Data Envelopment Analysis and Commercial Bank Performance：A Primer with Applications to Missouri Banks,”（1992）, Federal Reserve Bank of St. Louis,P.31-45.
Zaim ,Osman, “The Effect of Financial Liberalization on The Efficiency of Turkish Commercial Banks,”（1995）, Applied Financial Economies ,5（4），P.257-264.