earticle

영어

This study applies the nonparametric DEA method to the commercial and local banks and then employs Tobit analysis technique to identify the factors affecting the efficiency and productivity changes during the period of 2003 to 2008. Efficiency analysis measured various efficiency component such as technology efficiency, purity technology efficiency and efficiency of scale, slack. Through DEA analysis, know on period until 2003-2008 year that inefficiency of management is higher than inefficiency of scale.
Technological efficiency of Shinhan bank, Hanabank, Korea Exchange Bank and city bank was high from city bank, and Knbank did the most efficient management from local bank.
Scale efficiency is showing high improvement factor in occasion of city bank on the whole and local bank is falling scale efficiency generally whereas but Jbbank and Kjbank were expose that show improvement advantageously among this. Super efficiency analysis citibank appeared until 2004-2008 so that efficiency was highest.
The Tobit analysis shows Model Ⅰ securities/assets with tobit Ⅰ tobit Ⅱ from two patterns to efficiency increase factor appear. Explanatory variable that assets also keeps in minds for 5% and affects to TE. Dummy variable of city bank was expose as increase factor of efficiency in 2007 in 2006 in Tobit Ⅱ matrix. Deposit received/assets, assets is from two patterns to efficiency promotion factor in Model2.
City bank is higher than local bank, but do not keep in mind for 5% and expose by thing which difference is not. BIS by positive sign BIS rise could know that is lowered TE.