국내은행산업의 대형화와 겸업화가 은행경영에 미친 효과분석

The purpose of this paper is to measure and analyze the effects of mega merger in Korean banking sector on bank management by using DEA and Malmquist technique which are called non-parametric methods. System thinking method is used for measuring the change of management efficiency in banks after bancassurance. Management indices, and CEO's management recognition by using questionnaire are also analyzed. Empirical main results are as follows:First, Korean banks should prepare for the situation of the mega merger and bancassurance because it will not be avoidable in terms of world trends.Second, Hana, Shinhan, and Hanmi(Kookmin, Hanvit, and Choheung) banks have increased (decreased) their efficiency after mega merger.Third, Korean banks have increased their international competition power in Korean banking market even considering the 25 foreign banks which have already entered in Korea. Fourth, Korean banks have improved the management indices after mega merger except 1999 cases.Fifth, government should leave the mega mergers to the market mechanism by itself.Second, for enhancing the efficiency, banks should share the vision with the insurance companies which have made the contract for strategic alliance. However, small-medium sized banks should make the close relationship with their own customers.