根據統計資料顯示，在金融海嘯後，存款者有將資金由民營銀行移轉出之行為。本文目的在於1. 對於生產功能與中介功能而言，檢驗公營銀行效率是否優於民營銀行。2. 對生產功能而言，公營銀行作業風險是否低於民營銀行；對中介功能而言，公營銀行資本適足率是否較民營銀行來的穩定3. 存款者在考量資本轉移時，是否以中介功能為依據4. 檢驗存款是否由高風險、低效率分類流向其他三個分類本文利用Two-Stage DEA與向量自我迴歸來檢驗本文的四個目的，實証結果如下：1. 整體來說，無論是在生產功能或是中介功能下，公營銀行在效率上表現確實較民營銀行優秀。2. 在生產功能下，公營銀行作業風險高於民營銀行；在中介功能下，公營銀行資本適足率較民營銀行穩定。3. 存款者在轉移存款時的確是以中介功能之效率與風險為依據。4. 存款由低資本適足率低效率此種類型銀行流入高資本適足率高效率類型銀行。 After the financial turbulence, according to the data, we find the behavior that depositor transfer their deposit from the private banks.Our hypothesis in this research is （1）test whether the efficiency in public banks is better than private banks in Production Approach and Intermediary Approach. （2）whether the risk in public banks is lower than private banks in Production Approach, whether the Capital Adequacy ratio in public banks is more stable than private banks. （3）what approach does depositor consider when they transfer their deposit. （4）test whether the deposit transfers from high risk and low efficiency type to another three types.We use Two-Stages DEA Analysis and the regression analysis to test our hypothesis, and we find that （1）no matter in Production Approach and Intermediary Approach, the whole efficiency in public banks is better than private banks. （2）operational risk in public banks is higher than private banks in Production Approach. Capital Adequacy ratio in public banks is more stable than private banks. （3）depositor consider efficiency and risk in Intermediary Approach when they transfer their deposit （4）depositor transfer their deposit from high risk and low efficiency type to another three types, low risk and high efficiency, low risk and low efficiency, and high risk and high efficiency.
