수협 상호금융 영업점의 효율성 변화와 결정요인에 관한 분석

Abstract

The Determinants of Productivity Change and Efficiency Analysis of Regional Fisheries Cooperative Operating Office with Data Envelopment Analysis

Kwang-Min Lee

Departmentof Business Administration, The Graduate School, Pukyong National University

Abstract

This study was to analyze efficiency and change of efficiency of mutual finance cooperative from 2009 to 2011 through the DEA method. The input variable were the number of people, maintenance cost and calculation variable were customer deposits, the amount of mutual finance loan, policy loan and the profits and loss. This research analyzed efficiency adopting applied global concept to CCR, BCC model and Malmquist, which are DEA model. These results are as follows. The efficiency of a mutual finance business office was analyzed through the model and BCC model and the efficiency ranking of business office was determined by Super-SBM model. The result shows that efficient business offices were 17, which is the best number, in 2010 by Global-CCR model. Business offices of which value of the pure technical efficiency is 1 were 20 in 2010 and 2011 by Global-BCC model. The efficiency of invest about the scale, that means business offices are increasing the profit of scale, was the best in 2010. These business offices can be efficient business office through increasing the amount of input, especially increase of deposit or loan by expanding of human resources. This study compared efficient business office and business performance. Although there was the business office which is efficient and has good business performance, there was the business office which is efficient but has bad business performance and vice versa. According to change of efficiency by Global-Malmquist model, average productivity value was increased from 2009 to 2010 and decreased from 2010 to 2011. The factor of increasing of efficiency is technical efficiency. The regression analysis was used to analyze determinants of productivity change. Considering characteristic of time series data, fixed-effects model and random effect model was applied for analysis. As a result, profit of commission, profit of loan rate have an effect on change of efficiency. Business strategy increasing profit of commission or profit of loan rate which have relationship with profit of business offices is needed to improve productivity of business offices.