台湾农业金库改革效能之经济分析

Economic analysis on the efficiency of the reform of Taiwan Agricultural Bank

台湾农业金库的主要作用是辅导并协助农会、渔会信用部事业发展,办理农、林、鱼、牧融资及稳定农业金融,促进农业经济发展,但2008年全球金融风暴中农业金库亏损146.2亿元,2009年6月资本适足率才6.47%,已失去了稳定农业金融和促进农业经济发展的主要功能。为深入了解台湾农业基层金融资产结构性的变动的状况,以及台湾农业金库成立后台湾农业基层金融不良资产的结构性变化状况,该文拟以马柯夫键移转机率矩阵模型(M arkov chain model)为理论基础,分析台湾农业金库成立前后农渔会信用部资产结构与资产营运效能。

The major role of the Agricultural Bank Taiwan is to guide and assist the development of the Farmers＇ Association and the Credit Office of Fishery Association,so as to stabilize and promote the development of agricultural economy.However,the role was disabled in the global financial crisis of 2008.To better understand the structural changes of financial assets of Taiwan agricultural grass-roots finance,and the structural changes of non-performing assets of Taiwan agricultural grass-roots finance after the establishment of the Agricultural Bank of Taiwan,this study used Markov chain model as the theoretical basis and analyzed the asset structure and assets operating efficiency in the Farmers＇ Association and the Credit Office of Fishery Association before and after the establishment of the Agricultural Bank of Taiwan.