台灣農業金庫改革效能之經濟分析

Abstract

臺灣農業金庫的主要作用是輔導并協助農會、漁會信用部事業發展,辦理農、林、魚、牧融資及穩定農業金融,促進農業經濟發展,但2008年全球金融風暴中農業金庫虧損146.2億元,2009年6月資本適足率才6.47%,已失去了穩定農業金融和促進農業經濟發展的主要功能。為深入了解臺灣農業基層金融資產結構性的變動的狀況,以及臺灣農業金庫成立后臺灣農業基層金融不良資產的結構性變化狀況,該文擬以馬柯夫鍵移轉機率矩陣模型（M arkov chain model）為理論基礎,分析臺灣農業金庫成立前后農漁會信用部資產結構與資產營運效能。

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.