銀行業務不可或缺，但銀行本身並不是。在國際化的趨勢下，台灣也在近幾年興起Bank3.0的浪潮，宣告國內網路銀行競爭白熱化的時代來臨。在企業獲利極大化的目標下，可想而知經營績效對各金控公司的重要性；過去亦有相當多國內外文獻對銀行或金控公司之經營績效進行評估，惟針對金控子銀行經營績效在歷經重大金融危機後、智慧型手機普及，且APP行動銀行下載量日漸增高的今日，其經營績效之評估與其效率影響因素仍鮮少有人提出。故本文主要運用資料包絡分析(DEA)探討金融海嘯後，在國內有經營網路銀行的金控公司子銀行 ，在金融危機後，其經營績效的表現，並以Tobit迴歸模型進一步瞭解影響經營效率之因素。
研究結果顯示，金控子銀行之技術效率在2013年有最佳之表現。2015年Tobit迴歸結果顯示，金控子銀行之分行數，對技術效率沒有顯著之影響；ATM交易次數及首波進行電子交易支付之銀行對金控子銀行技術效率呈現顯著負相關；金控子銀行之行動下載排名對子銀行技術效率呈現顯著正相關。
Banking is essential, but banks are not. In the past, there were quite a number of domestic and foreign literatures evaluating the operating performance of banks or financial holding companies. However, after the major financial crisis, the operating performance of the bank was gradually increasing. Today, the number of smart mobile phones is on the rise. , Its operating performance evaluation and its impact factors are still rarely raised. Therefore, this paper mainly uses Data Envelopment Analysis (DEA) to explore the performance of its operating subsidiaries in China after the financial tsunami and after the financial crisis. Tobit regression model is used to further understand the factors influencing business efficiency factors.
The results of the research show that the technical efficiency of Subsidity Financial Holding Company Bank has the best performance in 2013. There was no significant effect on technical efficiency in the number of branches of 2015; the number of ATM transactions and the first wave of transactions paid by e-commerce banks showed a significant negative correlation with the technical efficiency; Sub-bank technology efficiency showed a significant positive correlation.
