서비스産業의 運營效率性 改善에 關한 硏究 : 金融産業을 中心으로 = (A) Study on the Improvement of Operations Efficiency in Service Industry

다국어 초록 (Multilingual Abstract)

The concerns about the productivity and competitive power of banking industry has been growing in accordance with the recession of domestic activities and the deficit of the balance of international payment.
In a near future, the financial industry not only will be faced with the opportunity to increase its competitive power but also will be faced with the threat to workout simultaneously.
This thesis research used DEA(Data Envelopment Analysis) which is different from the Ratio-analysis, to measure the efficiency of individual banking branches.
In financial institute, the definition of the relationships between inputs and outputs is ambiguous. Therefore the utility of DEA can be found in the point that it can measure the efficiency without specific function such as cost function. DEA find the most efficient DMU(Dicision Making Units) through the simple model, and measure the other DMU's inefficiency based on the most efficient DMU. And DEA also can provide several informations about over-inputs and under-outputs.
In this thesis research, one sample commercial bank was selected and 35 branches were included to measure the operation efficiency. The operation efficiency of branches was measure by three method : Ratio-analysis, Regression analysis and DEA. In research result the comparision of method is also resented.
The results are below :
1. DEA method was used to measure the operation efficiency of branches.
2. Ratio-analysis and Regression analysis, used frequently in field, were used to measure the operation efficiency of branches.
3. The results of measurements were compared. In the result comparison, DEA and Regression analysis are significantly correlated. Therefore objective measurement of operation efficient can be obtained by DEA.
4. The results presented the optimal production point of inefficient branches.
5. DEA present more objective measurement than other methods and has the possibility of applying in field.
6. According to the results, operation profit, space cost, operation cost and labor cost influence the efficiency score. Specifically operation profit is significantly correlated with efficient score and has the considerable influence, and other inputs variables are negatively correlated with efficiency score.
7. The operation efficiency analysis of banking branches can assist Ratio-analysis. When properly cordinated, DEA and Regression analysis can provide clear information to dicision makers. This thesis research present the probability to provide the better information.
Based on above research results, one can measure the comprehensive, objective operation efficiency with DEA method which is cordinated with other traditional methods. And one can find the source of inefficiency more easily and also find the improvement directions.
Keyword : Operation-efficiency, Productivity, DEA(Data Envelopment Analysis), Linear program, Ratio-analysis, Regression analysis.

목차 (Table of Contents)

• 제1장 서론
• 제1절 문제의 제기 = 1
• 제2절 연구의 목적 = 2
• 제3절 연구의 방법 및 구성 = 5
• 제2장 효율성 이론 및 평가기법
• 제1절 서비스산업의 현황 = 8
• 1. 금융산업의 구조조정 = 10
• 2. 국내금융산업의 구조조정 = 11
• 제2절 효율성의 개념 = 14
• 1. 투입물의 효율성 = 20
• 2. 산출물의 효율성 = 22
• 3. 효율성에 관한 선행연구 = 22
• 제3절 효율성 측정기법
• 1. 비율분석법 = 27
• 2. 총생산성지수법 = 35
• 3. 비용함수접근법 = 35
• 4. 모수적접근법 = 37
• 제3장 DEA를 이용한 효율성 평가모형
• 제1절 DEA 일반이론 및 유용성
• 1. DEA 일반이론 = 40
• 2. DEA 모형의 유용성 = 42
• 3. DEA 모형의 이론 = 45
• 제2절 은행산업에 있어서 DEA 모형의 활용가치
• 1. 전통적인 효율성 벤치마킹 기법의 문제점 = 52
• 2. DEA 모형의 활용가치 = 53
• 3. DEA 모형과 회귀모형의 비교 = 57
• 4. DEA 선행연구 = 60
• 제4장 DEA를 이용한 실증분석
• 제1절 표본의 선정 및 변수의 정의
• 1. 표본의 선정 = 65
• 2. 투입, 산출변수 선정
• 제2절 비율분석에 의한 측정과 평가 = 72
• 제3절 회귀분석에 의한 측정과 평가 = 74
• 제4절 DEA 모형에 의한 효율성 평가 = 77
• 1. DEA 분석에 의한 효율성자료 = 89
• 2. DEA분석 결과에 대한 평가 = 95
• 제5장 결론
• 제1절 연구결과 요약 = 102
• 제2절 연구의 한계점과 향후과제 = 107
• <참고문헌> = 109
• ABSTRACT = 120