國內 銀行의 M&A에 관한 實證的 硏究 : DEA分析技法에 의한 效率性 分析

다국어 초록 (Multilingual Abstract)

Recently, there has been increasing interest in managerial efficiency analysis in the banking sector because of pressures for the internationalization and the globalization of Korea's financial markets.
Then domestic banks enhance their competitiveness and managerial efficiency through new techniques and mergers in interbanks etc. It would be a first step to diagnose the domestic bank's efficiency andinefficiency in making a policy of improving its managerial efficiency.
The main purpose of this thesis is to evaluate the relative efficiency of banks using Data Envelopment Analysis(DEA) and find out how to remove the inefficient factors in many aspects of bank management in Korea. In the DEA analysis, the number of employees, fixed assets for an operation, and capital are used as input variables, and fund supply, fund operation and profits are used as output variables.
The results of this paper are as follows :
First, the DEA results show that Boram Bank has been an efficient bank for five years, Hana Bank has been an efficient bank for four, and Shinhan and Pusan Banks have been an efficient banks for three years. In 1997, there were five efficient banks, which are : Boram, Hana, Shinhan, Pusan, Daegu Banks.
Second, the efficient banks influence inefficient banks to reach efficiency frontier. The efficient banks are as a peer group.
Shinhan Bank appears twice in the peer group and Hana Bank eight, Boram Bank fifteen, Daegu Bank four, and Pusan Bank nine times.
Finally, we have divided 25 domestic banks into two groups, which are city and local banks. City banks have 15 decision making units and local banks have 10 decision making units. We have analyzed how the grouping changes the efficiency results. Comparing the results of two group, however, there is a little difference in efficiency ratio of city banks(0.3∼9.71%), but the distingiushed feature is that Kookmin Bank and Hanil Bank change a position from inefficient to an efficient bank.
There is a large difference in efficiency ratio of local banks (20.14%∼40.05%) and the distingiushed feature is that the efficiency ratio of Kwangju Bank rises from 54.58% up to 96.63%.

목차 (Table of Contents)

• 제1장 서론 = 1
• 제1절 문제제기 및 연구목적 = 1
• 제2절 연구방법 및 범위 = 4
• 제2장 은행합병과 DEA 일반이론 = 6
• 제1절 은행합병의 개요 = 6
• 1. 은행합병의 의의 및 유형 = 6
• 2. 은행합병의 동기 및 기대효과 = 9
• 3. 은행합병의 문제점 = 20
• 제2절 EDA의 일반이론 = 23
• 1. DEA의 개념 및 특성 = 24
• 2. DEA의 장·단점 = 26
• 3. DEA의 일반이론과 효율성 = 30
• 4. 은행산업에 있어서 DEA모형의 활용가치 = 30
• 제3장 은행합병 사례분석 = 32
• 제1절 외국은행의 합병사례 = 32
• 1. 미국은행의 합병사례 = 32
• 2. 일본은행의 합병사례 = 37
• 3. 외국은행 합병사례를 통한 시사점 = 42
• 제2절 국내은행의 합병사례 = 45
• 1. 서울은행과 한국신탁은행의 합병 = 45
• 2. 한일은행과 상업은행의 합병 = 50
• 제4장 국내은행의 효율성 실증분석 = 56
• 제1절 DEA모형의 실증분석 = 56
• 1. 표본 및 변수의 선정 = 56
• 2. DEA모형에 의한 측정결과 및 해석 = 60
• 제5장 결론 = 81
• 제1절 연구결과의 기대효과 및 활용방안 = 81
• 제2절 연구의 한계점과 향후 연구과제 = 83
• 〔참고문헌〕 = 85
• ABSTRACK = 89