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Analysis of Efficiency and Determinants of Local Financial Institutions

  • Korean Society and Public Administration
  • Abbr : KSPA
  • 2017, 27(4), pp.133-155
  • Publisher : Seoul Association For Public Administration
  • Research Area : Social Science > Public Administration

Song Keon-Sup 1 정낙원 2

1대구대학교
2대구대학교 대학원 박사과정

Accredited

ABSTRACT

This paper measures the efficiency and determinants of local banking services, to provide a basis for the efficiency of the banking system. Bank service efficiency is measured using the DEA efficiency performance data for five years from 2011 to 2015. The inputs are numbers of employee, cost of labor, objects, depreciation and the output variables are selected net income, deposits, loans average balance, the total number of customers. The results are as follows. First, the annual average efficiency is significantly higher than the average of the CCR efficiency index, as well as the average of the BCC efficiency index. Second, the average rate of change of the efficiency index by bank branches (CCR and BCC) are increased in 2015 compared to 2011. Third, it showed a greater average value of net technical efficiency rather than technical efficiency by region. This is due to the efficiency of the scale. Fourth, the determinants in the efficiency of local banks showed a significant part of the deposit and loan. Therefore, local banks need to expand loans to secure efficiency and to expand deposits of local residents.

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