越南銀行效率分析-以「越南投資發展銀行」(BIDV)為例

Abstract

近年來，越南的金融機構在跨境的規模上已經歷了一個充滿活力，快節奏，競爭激烈的環境。其中增長最快的是銀行等行業。越南迅速轉化從壓抑的銀行體系開始放鬆管制，開放邊界，新的銀行牌照的發放並私有化。自2007年1月加入世貿組織，越南銀行業監管已經越來越被關注。在一個更具競爭力的銀行體系，希望增加其效率，以加強其地位。 本文所提供的方法將試圖以領先越南銀行的效率進行分析□2007至2011年BIDV。 BIDV的案例下為兩款車型提供適當的概述，CAMEL和DEA。在銀行危機在世界各地近年來，CAMEL是一種有用的工具來檢查安全和穩健的銀行，並幫助減輕潛在的風險可能會導致銀行倒閉的危機。不僅對CAMEL，DEA也是一個很好的工具去評估銀行的效率。本論文的主旨在從CAMEL和DEA的架構下在銀行業監管中皆可發揮關鍵作用。 這資金可以幫助銀行家和一些從事銀行和金融部門相關工作的人去決定如何提高銀行的效率。

In recent years, financial institutions in Vietnam have experienced a dynamic, fast-paced, and competitive environment at a cross-border scale. One of the fastest growing industries is banking. Vietnam transformed rapidly its repressed banking system with deregulation, the opening of borders, the granting of new banking licenses, and privatization. Since accession to WTO in January, 2007, Vietnamese banking supervision has been increasingly concerned. In a more competitive banking system, one would expect an increase in its efficiency to enhance its position. This thesis attempts to apply methods in order to analyze efficiency of a leading Vietnamese bank – BIDV over the years from 2007 to 2011. The case of BIDV provides overview of two proper models, CAMEL and DEA. In the light of the banking crisis in recent years worldwide, CAMEL is a useful tool to examine the safety and soundness of banks, and help mitigate the potential risks which may lead to bank failures. Not only CAMEL, DEA is also a good instrument to assess the efficiency of banks. The thesis aims to determine whether the CAMEL framework and DEA play crucial roles in banking supervision. The findings can help bankers and some people who are working in banking sector particularly and financial institutions generally decide how to improve the efficiency of their banks.