本研究以台灣地區本國銀行民國70-87年資料，同時以橫斷面與縱橫面兩種資料形式，分析投入面與產出面技術效率。結果發現，無論投入面或產出面模型在橫斷面資料中，皆顯示公營銀行多處於遞減規模報酬階段，而民營銀行、新民營銀行與信合社改制銀行位於遞增規模報酬階段者居多。利用縱橫資料分析，上述結論在投入面模型仍受到支持，但在產出面模型中，各類銀行處在遞減規模報酬者居多數。在技術效率的衡量中，公營銀行無效率主要來源為規模無效率，其餘三類銀行之無效率則主要來自純粹技術無效率。本研究還發現新民營銀行加入市場營運時間雖然不長，但各類效率值均表現良好，顯示新銀行開放設立政策，確實有助於銀行間的競爭與促進經濟效率。 Measures of technical and scale efficiencies are estimated for Taiwan's banking industries through the non-parametric Data Envelopment Analysis using both panel and cross-sectional data taken from 1981 to 1998. Input-orientated and output-orientated models are studied and compared with each other. The cross-sectional results from the both orientations and panel data results from input orientation are similar, i.e., most of the government-owned banks exhibit decreasing returns to scale, while most of the private banks, newly opened private banks and credit co-operative banks are experiencing increasing returns to scale. The main source of the overall technical inefficiency comes from scale technical inefficiency for the government-owned banks, and from pure technical inefficiency for the other banks. The current paper finds that the entry of new private banks has intensified the degree of competition in Taiwan's financial industry and improved upon economic efficiency.
