請用此 Handle URI 來引用此文件:
http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/44691
標題: | 農業金融法實施前後
對雲林地區農會經營績效之評估 Operating Performance Analysis on Farmers’ Associations in Yunlin Area Implementation of Agricultural Financial Law |
作者: | Chiu-Hsia Chen 陳秋蝦 |
指導教授: | 徐世勳(Shih-Hsun Hsu) |
關鍵字: | 農會,農業金融改革,資料包絡分析法,效率, Agriculture financial reform,Data envelopment analysis,Efficiency, |
出版年 : | 2010 |
學位: | 碩士 |
摘要: | 1946年台灣的農會由農業組合改為農會組織,其中歷經多次金融風暴、及金融監理制度欠嚴謹,導致弊端農會被合併或接管、才有2003年農業金融改革,制定農業金融法及成立全國農業金庫。由於雲林為台灣重要之農業縣市,農會功能彰顯與否對於雲林之農業乃至全國有相當程度的影響。因此,本研究以雲林地區農會為對象,探討在農業金融法施行監管下,農會信用部及其他部股之經營效率是否提升與整體改善狀況。本研究以資料包絡分析法之投入導向模式,求算雲林地區19家農會經營之技術效率、純技術效率、規模報酬與生產力的變動,討論其無效率的原因,以及探討農會各部門在金改前(2002至2003年)到金改後(2004年至2008年期間)是否有改善。分析結果發現雲林縣地區農會經金融改革,農會信用部經營績效,在資金運用管理、降低逾期放款比率以及提高風險管理等方面整體已明顯提升;供銷部也因受惠金融改革,使農會決策者不能只靠信用部來賺錢,積極將供銷部轉型,發展自營品牌,進而增加供銷收益;保險部對投入有效運用讓產出達最大,經營效率也因農業金融改革而明顯提昇;但推廣股仍須充分利用經費,加強農業推廣業務活動,輔導農民朝精緻農業發展前進,以提高推廣部門之經營效率。整體而言,農業金融改革確實對雲林地區整體農會經營效率產生正面效益,對於相對經營效率不佳之農會仍應持續調整營運方向,方能讓農業金融改革之努力克盡功效。 The results show that the operation performances in fund management, non-performing loans diminution and risk management enhancement are improved significantly in the credit department in Yunlin after the financial regulation reform. The performance of the supply and marketing department is also enhanced because the reform provides incentives for the decision makers of the associations to transform the department into a main source of revenues by promoting high-value and locally branded agricultural products. The effective application of inputs by the insurance department to maximize outputs for the association has been growing continuously after the financial reforml. However, the extension department still needs improvements in using their budget wisely to assist farmers in exploring development opportuinities. Overall speaking, the agriculture financial reform has brought positive influences on the operation of farmers' associations which lead to beneficial results for farmers in the Yunlin area. However, it is still of vital importance for the inefficient associations to improve their operation to bring the reform into a full play. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/44691 |
全文授權: | 有償授權 |
顯示於系所單位: | 農業經濟學系 |
文件中的檔案:
檔案 | 大小 | 格式 | |
---|---|---|---|
ntu-99-1.pdf 目前未授權公開取用 | 745.68 kB | Adobe PDF |
系統中的文件,除了特別指名其著作權條款之外,均受到著作權保護,並且保留所有的權利。