اندازه گيري كارايي شعب بانكهاي ايران مطالعه موردي منطقه 4 بانك تجارت

The Measurement of Efficiency Performance in Banking Sector A Case Study of 46 Branches of Bank Tejarat

در اين مقاله با استفاده از تكنيك ناپارمتري تحليل پوششي داده‌ها(DEA) به ارزيابي كارايي فني 46 شعبه منطقه 4 بانك تجارت پرداخته خواهد شد و راهكار هاي عملي در بهبود كارايي ارايه مي گردد. كارايي فني در سه مقطع زماني خرداد سال هاي 1384، 1386 و 1388 با استفاده از فرض بازده متغير به مقياس (VRS) بر مبناي نگرش ستاده محور مديران محاسبه شده است. نتايج بدست آمده حاكي از آن است كه ميانگين كارايي منطقه از سال 1384 تا 1388 روند كاهشي داشته است با بررسي علل كاراترين و ناكاراترين شعب منطقه مشخص شد تعداد باجه هاي شعبه در افزايش كارايي و كاهش سپرده جاري و افزايش مطالبات نقدي در كاهش كارايي بيشترين نقش را ايفا مي كنند.

In this paper attempts are made to evaluate the technical efficiency of selected 46 branches of bank Tejarat, in a specific bank operating region called region four. Toward this ends, a nonparametric technique known as Data Envelopment Analysis (DEA) has been use with a view to providing practical guidelines for efficiency improvement in the banking operation. Based on task assigned to bank managers, the assumption of output oriented Variable Return to Scale (VRS) has been utilized in this study to measure the technical efficiency achieved at. To do so, the month of May in 2005, 2007, and 2009 was selected as check points for efficiency measurement. The findings of this study indicate that average efficiency attributed to regional bank operation has declined in 2005 and this trend has lasted until 2009. The banks that have contributed to decline in lower efficiency record of region four, has been identified. The bank with more sub branches has been contributing to efficiency gain but those banks maintaining low current deposit while keeping its claims at higher level have suffered efficiency loss.