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題名 銀行業運用Fintech於業務之研究
How Banks Deploy Fintech in Services in Taiwan作者 林怡安
Lin, Yi-An貢獻者 于卓民<br>傅浚映
Yu, Chwo-Ming<br>Fu, Jyun-Ying
林怡安
Lin, Yi-An關鍵詞 金融科技
組織創新
銀行
Fintech
Financial technology
Organizational innovation
Bank日期 2018 上傳時間 3-七月-2018 17:38:22 (UTC+8) 摘要 Fintech的議題在這近幾年於國內市場興起，各家銀行紛紛在年報透露發展Fintech的決心。而我國金融監管機關也意識到金融科技的重要性，著手推動數位化金融環境、鬆綁數位化金融法規。在環境的驅使下，本國銀行實際發展Fintech的程度到底為何呢?是否存在有名無實的狀況？本研究鎖定具代表性的本國銀行，以次級資料為基礎，分析投入Fintech的狀況。因本研究視銀行發展Fintech為該組織創新的展現，輔以探討影響組織創新因素的文獻，來驗證本國銀行在Fintech創新的程度與特定影響組織創新因素之關聯性。此外，由於本國銀行在Fintech發展較其他國家的銀行起步慢，本研究以在全球最受關注的金融市場運作的銀行為標竿對象（即美國前六大市值的銀行），觀察這些銀行透過轉投資與併購哪幾種領域的金融科技公司及該公司的金融科技應用為何後，進而比對本國銀行在這幾個領域的發展狀況，以提出日後本國銀行可精進的方向。本研究顯示，本國銀行中的中國信託銀行、玉山銀行、台新銀行應用Fintech於業務較深與廣，涵蓋大數據分析、區塊鏈、金融服務軟硬體、付款與結算、借貸、財富管理、管制技術及房地產領域。如此的成果也與文獻中所提出的兩項影響創新因素有正向的關係：在技術知識資源方面，中國信託銀行與台新銀行具有較多的專利等專業資源；閒置資源方面，中國信託銀行、遠東銀行、玉山銀行、台新銀行具有較多元的閒置資源。整體來說，大部分本國銀行在針對中小企業的付款與結算及借貸業務、對個人與企業客戶的房地產業務仍有待利用大數據分析、區塊鏈等金融科技優化的空間。
Recently, the issues of Fintech turn out in domestic market. Many banks reveal the determination to deploy Fintech in service in annual reports. Government also realizes the importance of financial technology, and then starts to create digital finance environment and loosen financial regulation.Under the circumstances, how are the real extent of Fintech of domestic banks? Is there any gap between what banks do and what banks say? Thus, the purpose of this research is to analyze the current extent of domestic banks deploying Fintech by secondary data. Besides, this research views the development of bank on Fintech as organizational innovation, so the study also evaluates the relation between the outcomes of Fintech and the factors which may influence the organization innovation according to the previous researches among domestic banks.Furthermore, due to the lag on development of Fintech comparing domestic and foreign banks, the study chooses top banks in America as benchmark. Based on summaries of which field and operating model of Fintech companies invested or acquired by banks in America, and comparison of what domestic banks have done, the study proposes suggestion to domestic banks on direction of future development in Fintech.Through this research, there are several discoveries and conclude as below: First, CTBC Bank, E.SUN Bank and Taishin International Bank are the banks which deploy Fintech both in wider and deeper service including field of big data analysis, blockchain, financial services software and hardware, payment and settlement, lending, wealth management, regulatory technology and real estate among eight domestic banks. Second, the outcomes of Fintech service match the two factors influencing innovation sorted out by previous researches - technical knowledge resource and slack resources. In aspect of technical knowledge resource, CTBC Bank and E.SUN Bank have the most patents on Fintech. As of respect of slack resources, CTBC Bank, Far Eastern International Bank, E.SUN Bank and Taishin International Bank all have diverse slack resources to support the development of Fintech. 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國立政治大學
企業管理研究所(MBA學位學程)
105363037資料來源 http://thesis.lib.nccu.edu.tw/record/#G0105363037 資料類型 thesis dc.contributor.advisor 于卓民<br>傅浚映 zh_TW dc.contributor.advisor Yu, Chwo-Ming<br>Fu, Jyun-Ying en_US dc.contributor.author (作者) 林怡安 zh_TW dc.contributor.author (作者) Lin, Yi-An en_US dc.creator (作者) 林怡安 zh_TW dc.creator (作者) Lin, Yi-An en_US dc.date (日期) 2018 en_US dc.date.accessioned 3-七月-2018 17:38:22 (UTC+8) - dc.date.available 3-七月-2018 17:38:22 (UTC+8) - dc.date.issued (上傳時間) 3-七月-2018 17:38:22 (UTC+8) - dc.identifier (其他 識別碼) G0105363037 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/118314 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 企業管理研究所(MBA學位學程) zh_TW dc.description (描述) 105363037 zh_TW dc.description.abstract (摘要) Fintech的議題在這近幾年於國內市場興起，各家銀行紛紛在年報透露發展Fintech的決心。而我國金融監管機關也意識到金融科技的重要性，著手推動數位化金融環境、鬆綁數位化金融法規。在環境的驅使下，本國銀行實際發展Fintech的程度到底為何呢?是否存在有名無實的狀況？本研究鎖定具代表性的本國銀行，以次級資料為基礎，分析投入Fintech的狀況。因本研究視銀行發展Fintech為該組織創新的展現，輔以探討影響組織創新因素的文獻，來驗證本國銀行在Fintech創新的程度與特定影響組織創新因素之關聯性。此外，由於本國銀行在Fintech發展較其他國家的銀行起步慢，本研究以在全球最受關注的金融市場運作的銀行為標竿對象（即美國前六大市值的銀行），觀察這些銀行透過轉投資與併購哪幾種領域的金融科技公司及該公司的金融科技應用為何後，進而比對本國銀行在這幾個領域的發展狀況，以提出日後本國銀行可精進的方向。本研究顯示，本國銀行中的中國信託銀行、玉山銀行、台新銀行應用Fintech於業務較深與廣，涵蓋大數據分析、區塊鏈、金融服務軟硬體、付款與結算、借貸、財富管理、管制技術及房地產領域。如此的成果也與文獻中所提出的兩項影響創新因素有正向的關係：在技術知識資源方面，中國信託銀行與台新銀行具有較多的專利等專業資源；閒置資源方面，中國信託銀行、遠東銀行、玉山銀行、台新銀行具有較多元的閒置資源。整體來說，大部分本國銀行在針對中小企業的付款與結算及借貸業務、對個人與企業客戶的房地產業務仍有待利用大數據分析、區塊鏈等金融科技優化的空間。 zh_TW dc.description.abstract (摘要) Recently, the issues of Fintech turn out in domestic market. Many banks reveal the determination to deploy Fintech in service in annual reports. Government also realizes the importance of financial technology, and then starts to create digital finance environment and loosen financial regulation.Under the circumstances, how are the real extent of Fintech of domestic banks? Is there any gap between what banks do and what banks say? Thus, the purpose of this research is to analyze the current extent of domestic banks deploying Fintech by secondary data. Besides, this research views the development of bank on Fintech as organizational innovation, so the study also evaluates the relation between the outcomes of Fintech and the factors which may influence the organization innovation according to the previous researches among domestic banks.Furthermore, due to the lag on development of Fintech comparing domestic and foreign banks, the study chooses top banks in America as benchmark. Based on summaries of which field and operating model of Fintech companies invested or acquired by banks in America, and comparison of what domestic banks have done, the study proposes suggestion to domestic banks on direction of future development in Fintech.Through this research, there are several discoveries and conclude as below: First, CTBC Bank, E.SUN Bank and Taishin International Bank are the banks which deploy Fintech both in wider and deeper service including field of big data analysis, blockchain, financial services software and hardware, payment and settlement, lending, wealth management, regulatory technology and real estate among eight domestic banks. Second, the outcomes of Fintech service match the two factors influencing innovation sorted out by previous researches - technical knowledge resource and slack resources. In aspect of technical knowledge resource, CTBC Bank and E.SUN Bank have the most patents on Fintech. As of respect of slack resources, CTBC Bank, Far Eastern International Bank, E.SUN Bank and Taishin International Bank all have diverse slack resources to support the development of Fintech. The last, there are still some services for most of domestic banks to advance, such as payment and settlement and lending service for SMBs, and real estate service for company and individual customers by data analysis and blockchain and so on. en_US dc.description.tableofcontents 第一章 緒論 1第一節 研究背景 1第二節 研究問題與目的 2第三節 研究流程與章節簡介 3第二章 文獻探討 5第一節 Fintech 定義 5第二節 影響企業創新的因素 7第三章 研究方法 13第一節 研究對象的選擇 13第二節 影響創新因素與投入Fintech之關聯 14第四章 美國銀行對Fintech之轉投資與併購 16第五章 本國銀行業Fintech發展狀況與建議 31第一節 本國銀行發展Fintech狀況 31第二節 組織內部因素與創新之關係 41第三節 對本國銀行之建議 58第六章 結論與建議 60第一節 研究結論 60第二節 後續研究之建議 62參考文獻 63 zh_TW dc.format.extent 2499004 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0105363037 en_US dc.subject (關鍵詞) 金融科技 zh_TW dc.subject (關鍵詞) 組織創新 zh_TW dc.subject (關鍵詞) 銀行 zh_TW dc.subject (關鍵詞) Fintech en_US dc.subject (關鍵詞) Financial technology en_US dc.subject (關鍵詞) Organizational innovation en_US dc.subject (關鍵詞) Bank en_US dc.title (題名) 銀行業運用Fintech於業務之研究 zh_TW 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