상호저축은행의 효율성 및 생산성에 관한 연구

Abstract

This paper applies DEA model, DEA/WINDOW analysis, and Malmquist indices to the Mutual savings banks to measure the efficiency and productivity. Analysis Period after Korea's post-crisis from 2002 to 2009, dynamic analysis(DEA/WINDOW analysis and Malmquist Index) because of the consistency of the DMU was from 2007 to 2009. To investigate changes in the size of were separated more than 1 trillion won assets, listed Mutual savings banks, and medium-sized savings banks. The results of this study was shown as follws. First, the results of DEA model show that listed Mutual savings banks show the highest efficiency. More than 1 trillion won assets Savings banks that narrowly efficiency was lower than listed Mutual savings banks. In addition, the analysis of small savings banks during the period covered was the low efficiency. Second, the results of the analysis of DEA/WINDOW, Belong to a Small savings bank group, the change in the efficiency of the fluctuations was the most severe. More than 1 trillion won assets Savings banks and listed Mutual savings banks is that the overall effectiveness of the changes were stable. However, among 66 small savings banks almost 1 / 3 in 20 mutual savings banks were unstable. Third, Malmquist Productivity results were as follows. During the comparative period, an increase in productivity savings banks was only 22 of the total(101).