국내은행 인터넷 뱅킹의 효율성 격차 결정요인 분석에 관한 연구

The inputs of the Internet banking applied to this model include the relative input index of the capital budget(ratio of Internet banking investment to total IT budget), the relative transformation index of physical abilities(number of Internet banking servers/physical costs) and the relative transformation index of personnel base expansion(number of Internet banking personnel/personnel expenses), while the outputs selected for the study comprises customer-related output indices(number of usages per registered Internet banking customer and number of certificates issued per register Internet banking customer) and bank-related output indices(weight of Internet banking transactions in asset balance and weight of Internet banking transactions in number of businesses handled). The following results have been obtained by analyzing these inputs and outputs using the DEA model. To analyze the causes of the inefficiency of production structures in terms of inputs and outputs, the subjects of the study were classified into four categories: ① banks that introduced Internet banking earlier/banks that introduced Internet banking later; ② banks that made large investments in Internet banking/banks that made small investments in Internet banking; ③ banks that made intensive investments in Internet banking/banks that made diversified investments in Internet; and ④ banks with good operating results/ banks with poor operating results. This is to see whether the prior occupation effect(①), the effect of CEO's investment strategies(② and ③) and the difference in the management * Professor, Department of Economics, Chung-ang University.