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題名 各國銀行於金融科技之發展與比較
Development of Financial Technology in Banks作者 陳昱亘 貢獻者 吳啟銘
陳昱亘關鍵詞 金融科技
銀行
創新
專利
Fintech
Bank
Innovation
Patent日期 2019 上傳時間 7-八月-2019 16:03:08 (UTC+8) 摘要 2008年金融風暴過後，金融科技快速且蓬勃的發展，金融科技新創公司如雨後春筍般的出現，並發展茁壯，而目前全球已經有39家金融科技的獨角獸企業，金融科技被視為是破壞式的創新，且對銀行業有很大的影響，並可能侵蝕銀行的利潤，因此本研究希望探討並了解在這樣的環境中，銀行業是否做出了什麼樣因應，而銀行在金融科技上不同的發展可能受到那些因素的影響，最後我們能從國外的發展中學習到什麼。本研究藉由探討美國、中國、英國及台灣各一家銀行，了解不同國家銀行在金融科技上的發展。透過分析這四家銀行的金融科技專利及其他對外投資或合作了解他們在金融科技上的發展，再探討影響銀行在金融科技發展上的因素。研究結果發現銀行所發展的金融科技使用技術以大數據、人工智慧及安全機制為主，而應用面以支付領域為主，影響銀行在金融科技的發展包含政府政策、銀行主要業務性質、政府持有及銀行策略。以個人金融為主的銀行投入金融科技也愈多，而國有銀行在金融科技發展上較保守，各國家金融科技發展程度也會影響銀行在金融科技的投資。台灣的環境及銀行的能見度雖不足以讓銀行吸引到頂尖的新創業者來共同合作，但銀行有能力透過參考國外金融科技創新來發展其金融科技，並且不應排斥與其他金融科技或科技業者共同合作。
Fintech grows rapidly after 2008 financial crisis. There are now 39 fintech unicorns all over the world. Fintech is seen as a disruptive innovation, and might reduce banks’ profit. Therefore, in this paper I investigate what banks have done in response to the growth of fintech. Furthermore, what are the factors that affect banks’ development in fintech. Last, what can we learn from foreign banks’ experience on fintech.To investigate banks’ development on fintech, banks from United States, China, United Kingdom and Taiwan are selected for the case study. I show the similarities and the differences of the development of fintech in banks, and investigate the reasons that cause the differences. I discover that banks apply big data, artificial intelligence technique more to make payment and security mechanism innovation or inventions. The factors that affect banks’ investment in fintech including government policy, the nature of the banks, government holding and banks’ strategies. Banks that focus more on personal finance tend to invest more in fintech, Government owned bank is more conservative in the investment of finetech. Finally, in those environments that are friendly for startup, there are more fintech companies, and cause banks to invest more in fintech.Though it might be hard for Taiwanese banks to cooperate with top fintech startups, but banks have the ability to do in-house investment. However, banks should cooperate with fintech companies.參考文獻 方晴 (2017)。互聯網金融對銀行業務與央行貨幣政策之影響：從中國大陸經驗談起。台北：財團法人俞國華文教基金會。李明选 (2015)。互联网金融产业及其对传统金融冲击影响的研究。上海社會科學院部門經濟研究所碩士論文，上海。吳啟銘 (2019)。金融科技(含互聯網)對金融業之影響。台北：財團法人台北外匯市場發展基金。林惠君 (2019)。專訪台灣金融服務業聯合總會理事長許璋瑤：培育金融科技新創，金總盼組台灣隊走向國際。台灣銀行家，109，18-21。翁順裕、賴奎魁 (2009)。從社會網絡分析觀點探討技術的趨同性-以保險商業方法專利為例。管理學報，26，485-506。財訊 (2017)。台灣FinTech新創實力強，群馥科技Fugle入圍全球前10強。財訊雙周刊。許明恩 (2018)。消費者無感的校園區塊鏈支付。擷取自：https://medium.com/@astromnhsu/消費者無感的校園區塊鏈支付-c53c0c3a7de8鄧學修 (2017)。中國大陸物聯網發展對我國之啟示。經濟研究，17，329-345。顏俊仁、林彥廷、廖國智、簡大翔、郭彥鋒、李清祺 (2018)。金融科技專利關鍵技術研析。智慧財產月刊，232，22-36。Accenture (February 25, 2019). Global Fintech Investments Surged in 2018 with Investments in China Taking the Lead, Accenture Analysis Finds; UK Gains Sharply Despite Brexit Doubts. Retrieved from:https://newsroom.accenture.com/news/global-fintech-investments-surged-in-2018-with-investments-in-china-taking-the-lead-accenture-analysis-finds-uk-gains-sharply-despite-brexit-doubts.htmArner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm. Geo. J. Int`l L., 1271, 47.Arner, D. W., Barberis, J., & Buckley, R. P. (2016). 150 years of Fintech: An evolutionary analysis. Jassa, (3), 22.Basberg, B. L. (1987). Patents and the measurement of technological change: a survey of the literature. Research policy, 16(2-4), 131-141.Barclays PLC (2018). Barclays PLC Annual Report 2018. London: Barclays.Capgemini (2018). World Fintech Report 2018. Paris: Capgemini.Capgemini (2018). World Retail Banking Report 2018. Paris: Capgemini.CB Insights (2019). 2019 Fintech Trends to Watch. New York: CB InsightsCocheo S. (21 May, 2018). When startup fintech meets megabank. Retrieved from: http://m.bankingexchange.com/news-feed/item/7575-when-startup-fintech-meets-megabankDermine, J. (2017). Digital disruption and bank lending. European Economy, (2), 63-76.EY (2016). UK Fintech on the Cutting Edge: An evaluation of the international Fintech sector. London: Ernst & Young.Finextra (January 24, 2019). Barclays supersizes New York accelerator. Retrieved from: https://www.finextra.com/newsarticle/33251/barclays-supersizes-new-york-acceleratorHaddad, C., & Hornuf, L. (2018). The emergence of the global fintech market: Economic and technological determinants. Small Business Economics, 1-25.Hirshleifer, D., Low, A., & Teoh, S. H. (2012). Are overconfident CEOs better innovators? The journal of finance, 67(4), 1457-1498.Hornuf, L., Klus, M. F., Lohwasser, T. S., & Schwienbacher, A. (2018). How Do Banks Interact with Fintechs? Forms of Alliances and their Impact on Bank Value. CESifo Working Papers Series, 7170.La Porta, R., Lopez‐de‐Silanes, F., & Shleifer, A. (2002). Government ownership of banks. The Journal of Finance, 57(1), 265-301.Navaretti, G. B., Calzolari, G., & Pozzolo, A. F. (2017). FinTech and Banks: Friends or Foes? European Economy, 12-39.Romānova, I., & Kudinska, M. (2016). Banking and Fintech: a challenge or opportunity?. In Contemporary Issues in Finance: Current Challenges from Across Europe (pp. 21-35). Emerald Group Publishing Limited.Thakor, A. V. (2019). Fintech and Banking. Available at SSRN 3332550.Thompson, V. A. (1965). Bureaucracy and innovation. Administrative science quarterly, 1-20.WIPO (2019). WIPO Technology Trends 2019: Artificial Intelligence. Geneva: World Intellectual Property Organization.World Economic Forum (2015). The Future of Financial Services: How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed. Cologny: World Economic Forum. 描述 碩士
國立政治大學
財務管理學系
105357003資料來源 http://thesis.lib.nccu.edu.tw/record/#G0105357003 資料類型 thesis dc.contributor.advisor 吳啟銘 zh_TW dc.contributor.author (作者) 陳昱亘 zh_TW dc.creator (作者) 陳昱亘 zh_TW dc.date (日期) 2019 en_US dc.date.accessioned 7-八月-2019 16:03:08 (UTC+8) - dc.date.available 7-八月-2019 16:03:08 (UTC+8) - dc.date.issued (上傳時間) 7-八月-2019 16:03:08 (UTC+8) - dc.identifier (其他 識別碼) G0105357003 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/124691 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 財務管理學系 zh_TW dc.description (描述) 105357003 zh_TW dc.description.abstract (摘要) 2008年金融風暴過後，金融科技快速且蓬勃的發展，金融科技新創公司如雨後春筍般的出現，並發展茁壯，而目前全球已經有39家金融科技的獨角獸企業，金融科技被視為是破壞式的創新，且對銀行業有很大的影響，並可能侵蝕銀行的利潤，因此本研究希望探討並了解在這樣的環境中，銀行業是否做出了什麼樣因應，而銀行在金融科技上不同的發展可能受到那些因素的影響，最後我們能從國外的發展中學習到什麼。本研究藉由探討美國、中國、英國及台灣各一家銀行，了解不同國家銀行在金融科技上的發展。透過分析這四家銀行的金融科技專利及其他對外投資或合作了解他們在金融科技上的發展，再探討影響銀行在金融科技發展上的因素。研究結果發現銀行所發展的金融科技使用技術以大數據、人工智慧及安全機制為主，而應用面以支付領域為主，影響銀行在金融科技的發展包含政府政策、銀行主要業務性質、政府持有及銀行策略。以個人金融為主的銀行投入金融科技也愈多，而國有銀行在金融科技發展上較保守，各國家金融科技發展程度也會影響銀行在金融科技的投資。台灣的環境及銀行的能見度雖不足以讓銀行吸引到頂尖的新創業者來共同合作，但銀行有能力透過參考國外金融科技創新來發展其金融科技，並且不應排斥與其他金融科技或科技業者共同合作。 zh_TW dc.description.abstract (摘要) Fintech grows rapidly after 2008 financial crisis. There are now 39 fintech unicorns all over the world. Fintech is seen as a disruptive innovation, and might reduce banks’ profit. Therefore, in this paper I investigate what banks have done in response to the growth of fintech. Furthermore, what are the factors that affect banks’ development in fintech. Last, what can we learn from foreign banks’ experience on fintech.To investigate banks’ development on fintech, banks from United States, China, United Kingdom and Taiwan are selected for the case study. I show the similarities and the differences of the development of fintech in banks, and investigate the reasons that cause the differences. I discover that banks apply big data, artificial intelligence technique more to make payment and security mechanism innovation or inventions. The factors that affect banks’ investment in fintech including government policy, the nature of the banks, government holding and banks’ strategies. Banks that focus more on personal finance tend to invest more in fintech, Government owned bank is more conservative in the investment of finetech. Finally, in those environments that are friendly for startup, there are more fintech companies, and cause banks to invest more in fintech.Though it might be hard for Taiwanese banks to cooperate with top fintech startups, but banks have the ability to do in-house investment. However, banks should cooperate with fintech companies. en_US dc.description.tableofcontents 第一章、緒論 7第一節、研究背景與動機 7第二節、研究問題與目的 8第三節、研究方法 8第二章、文獻回顧 11第一節、金融科技定義及分類 11第二節、金融科技發展 14第三節、金融科技對銀行的影響 16第三章、個案分析 18第一節、概述 18第二節、美國銀行 (Bank of America) 20第三節、中國工商銀行 27第四節、巴克萊銀行 (Barclays) 31第五節、中國信託商業銀行 37第六節、比較及影響因素探討 41第四章、結論與建議 48第一節、研究結論 48第二節、研究限制與未來研究建議 49參考資料 51 zh_TW dc.format.extent 1633915 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0105357003 en_US dc.subject (關鍵詞) 金融科技 zh_TW dc.subject (關鍵詞) 銀行 zh_TW dc.subject (關鍵詞) 創新 zh_TW dc.subject (關鍵詞) 專利 zh_TW dc.subject (關鍵詞) Fintech en_US dc.subject (關鍵詞) Bank en_US dc.subject (關鍵詞) Innovation en_US dc.subject (關鍵詞) Patent en_US dc.title (題名) 各國銀行於金融科技之發展與比較 zh_TW dc.title (題名) Development of Financial Technology in Banks en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 方晴 (2017)。互聯網金融對銀行業務與央行貨幣政策之影響：從中國大陸經驗談起。台北：財團法人俞國華文教基金會。李明选 (2015)。互联网金融产业及其对传统金融冲击影响的研究。上海社會科學院部門經濟研究所碩士論文，上海。吳啟銘 (2019)。金融科技(含互聯網)對金融業之影響。台北：財團法人台北外匯市場發展基金。林惠君 (2019)。專訪台灣金融服務業聯合總會理事長許璋瑤：培育金融科技新創，金總盼組台灣隊走向國際。台灣銀行家，109，18-21。翁順裕、賴奎魁 (2009)。從社會網絡分析觀點探討技術的趨同性-以保險商業方法專利為例。管理學報，26，485-506。財訊 (2017)。台灣FinTech新創實力強，群馥科技Fugle入圍全球前10強。財訊雙周刊。許明恩 (2018)。消費者無感的校園區塊鏈支付。擷取自：https://medium.com/@astromnhsu/消費者無感的校園區塊鏈支付-c53c0c3a7de8鄧學修 (2017)。中國大陸物聯網發展對我國之啟示。經濟研究，17，329-345。顏俊仁、林彥廷、廖國智、簡大翔、郭彥鋒、李清祺 (2018)。金融科技專利關鍵技術研析。智慧財產月刊，232，22-36。Accenture (February 25, 2019). Global Fintech Investments Surged in 2018 with Investments in China Taking the Lead, Accenture Analysis Finds; UK Gains Sharply Despite Brexit Doubts. Retrieved from:https://newsroom.accenture.com/news/global-fintech-investments-surged-in-2018-with-investments-in-china-taking-the-lead-accenture-analysis-finds-uk-gains-sharply-despite-brexit-doubts.htmArner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm. Geo. J. Int`l L., 1271, 47.Arner, D. W., Barberis, J., & Buckley, R. P. (2016). 150 years of Fintech: An evolutionary analysis. Jassa, (3), 22.Basberg, B. L. (1987). Patents and the measurement of technological change: a survey of the literature. Research policy, 16(2-4), 131-141.Barclays PLC (2018). Barclays PLC Annual Report 2018. London: Barclays.Capgemini (2018). World Fintech Report 2018. Paris: Capgemini.Capgemini (2018). World Retail Banking Report 2018. Paris: Capgemini.CB Insights (2019). 2019 Fintech Trends to Watch. New York: CB InsightsCocheo S. (21 May, 2018). When startup fintech meets megabank. Retrieved from: http://m.bankingexchange.com/news-feed/item/7575-when-startup-fintech-meets-megabankDermine, J. (2017). Digital disruption and bank lending. European Economy, (2), 63-76.EY (2016). UK Fintech on the Cutting Edge: An evaluation of the international Fintech sector. London: Ernst & Young.Finextra (January 24, 2019). Barclays supersizes New York accelerator. Retrieved from: https://www.finextra.com/newsarticle/33251/barclays-supersizes-new-york-acceleratorHaddad, C., & Hornuf, L. (2018). The emergence of the global fintech market: Economic and technological determinants. Small Business Economics, 1-25.Hirshleifer, D., Low, A., & Teoh, S. H. (2012). Are overconfident CEOs better innovators? The journal of finance, 67(4), 1457-1498.Hornuf, L., Klus, M. F., Lohwasser, T. S., & Schwienbacher, A. (2018). How Do Banks Interact with Fintechs? Forms of Alliances and their Impact on Bank Value. CESifo Working Papers Series, 7170.La Porta, R., Lopez‐de‐Silanes, F., & Shleifer, A. (2002). Government ownership of banks. The Journal of Finance, 57(1), 265-301.Navaretti, G. B., Calzolari, G., & Pozzolo, A. F. (2017). FinTech and Banks: Friends or Foes? European Economy, 12-39.Romānova, I., & Kudinska, M. (2016). Banking and Fintech: a challenge or opportunity?. In Contemporary Issues in Finance: Current Challenges from Across Europe (pp. 21-35). Emerald Group Publishing Limited.Thakor, A. V. (2019). Fintech and Banking. Available at SSRN 3332550.Thompson, V. A. (1965). Bureaucracy and innovation. Administrative science quarterly, 1-20.WIPO (2019). WIPO Technology Trends 2019: Artificial Intelligence. Geneva: World Intellectual Property Organization.World Economic Forum (2015). The Future of Financial Services: How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed. Cologny: World Economic Forum. zh_TW dc.identifier.doi (DOI) 10.6814/NCCU201900525 en_US
