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標題: | 評估農業金融法實行對高雄地區農會信用部績效之影響 Examining the Impacts of Agricultural Finance Act on Credit Department’s Performance of the Farmers Associations in Kaohsiung Area |
作者: | Chuan-Cheng Cheng 鄭椽晟 |
指導教授: | 張宏浩 |
關鍵字: | 高雄市轄下農會信用部,資料包絡分析法,經營績效, Credit department’s,farmer association,Kaohsiung City,Data envelopment analysis, |
出版年 : | 2018 |
學位: | 碩士 |
摘要: | 農會是我國會員人數最多、組織最龐大且體系最完整的農民團體,高雄市是我國六都中農業國內生產毛額最高的直轄市,在農會各部門中信用部是農會最大經濟收入來源。而在2002、2003年間財政部命令36家經營不善農漁會信用部家中高雄市占了5家農會,農業金融法於2004年開始實施,高雄市地區曾被接管之5家農會於2009全數恢復設立。本研究首先以高雄市21家基層農會為研究對象,應用資料包絡分析法評估農業金融法實施前後信用部的經營績效的差異;並進一步針對恢復設立後5家農會信用部為樣本,藉以探討實施農業金融法接管農會信用部的效果。
就整體效率分析部份,本研究發現在 26 家鄉鎮農會中僅相當少數農會到完全效率,普遍經營效率均在平均值之上,此或許顯示出高雄市各農會整體經營效率尚可。歷年來大部分農會不論在利息收入、損益以及逾期率皆為良好。房地產對於帶動農會信用部的經營效率最明顯,其次是農業型農會再政府對農業金融機構貸款給農漁民或農企業給予政策性利息補貼,使農會獲利良好,而在農業金融法實施接管後對於經營效率的提升並不明顯,但在逾期放款比率近年有明顯降低。 Farmer associations are the most comprehensive farmers’ organization with most members and the largest size. Among all municipality, farmer associations in Kaohsiung City share the highest agricultural gross domestic product, which credit departments are the most critical and profitable sectors among organizations. It is crucial to emphasize on credit departments of farmer association by the Kaohsiung City because 5 out of 36 farmer organizations were suspended by the Ministry of Finance owing to the poor management between 2002 and 2003. As a result, the project explains two dimensions of central government interventions to credit departments of farmer associations in the Kaohsiung region using the Data Envelopment Analysis method. First, the paper reviews the impacts of 21 credit departments of farmer associations after the implementation of Agricultural Finance Law in 2004. Second, this study particularly analyzes the effects of central government interventions on 5 out of 26 Credit departments of farmer association in the regions. Results indicate that only few farmers associations in Kaohsiung area reaches best business performance. Most of them are above average performance. Put differently, this indicates that most Kaohsiung farmer associations do not have difficulties in management efficiency. Most farmer associations have positive revenue in interests, profit-loss, and overdue payment in the past years. Real property and government loan subsidies to farmers play the best and second role to contribute to the positive performance to credit departments in farmer associations. On the other hand, I find little influence to improve business performance but much lower Overdue Loan Ratio after the implementation of Agricultural Finance Law. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/22080 |
DOI: | 10.6342/NTU201802550 |
全文授權: | 未授權 |
顯示於系所單位: | 農業經濟學系 |
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ntu-107-1.pdf 目前未授權公開取用 | 1.42 MB | Adobe PDF |
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