은행의 점포 효율성 분석과 활용에 관한 연구 : 중소기업은행을 중심으로

Abstract

The management environment of Korean banks is getting worse as competitive pressure is strengthened due to falling net interest margins, falling non-interest profits due to tightening financial regulations, and the entry of fin-tech companies armed with convenience of IT. Changes in the environment due to digital innovation are calling for changes in revenue models based on existing banks' branches. In other words, management strategies are needed to increase the efficiency of branches by classifying tasks that can be converted to digital and reorganizing and strengthening the back office's business capabilities in the long term. In this study, we intend to present academic and practical implications on what tasks should be focused more on sales branches through the analysis of efficiency by Korean bank branches. This study measured efficiency of 543 bank branches from 2017 to 2019 using SFA methodology and examined their relationship with operating variables by major bank branches.