本篇論文使用財務/ 非財務指標來研究銀行動態的經營績效。旨在探討銀行業績效與不良債權（ N P L ） 之間的關係。通過不良債權網絡生產過程結構， 銀行績效得到發展。近年來不良債權率不斷上升， 不良債權成為銀行經營風險的重要影響因素。本文研究方法是將效率的徑向和非徑向度量納入網絡生產過程框架中， 利用E p s i l o n網絡資料包絡分析， 係基於微量( E p s i l o n ) 基礎網絡的測度模型來評估銀行業績效。此外， 釐清銀行產業包括金融控股公司和民營化公股銀行的關鍵因子， 並提供對銀行業不完善競爭條件的認識。結果顯示， 台灣銀行業在經營業績， 盈利能力表現和風險管理三個方面持續增長。這些結果表明， 銀行業整體能夠在經營和利潤兩個方面進行增長， 同時考慮風險管理。另外， 強調了網絡資料包絡分析在評估金融組織中的潛在應用和優勢。

This paper is to explore the relationship between bank performance and their non-performing loans (NPLs). The banks performance through a network production process structure with NPLs is developed. With increasing NPLs in recent years, the quality of lending assets is a key significant and influencing factor for banks‘ operational risk. The research methodology is to integrate the radial and non-radial measures of efficiency into the network production process framework with NPLs, this study utilizes network epsilon-based measure model to evaluate the banking industry performance. In addition, the key characteristics of the bank industry including those of financial holding companies and privatized government banks are needed to be figured out and
to provide insight into what causes imperfectly competitive conditions for somebanks. The results demonstrate that the banking sector grew consistently inthree aspects of operation: operating performance, profitability performance,and risk management in the last five years of the subject period. These resultsshowed that the overall banking sector was capable of pursuing growth in both
operations and profits while accounting for risk management. The potential applications and strengths of network data envelopment analysis in assessing financial organizations are also highlighted.

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