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題名 我國金融業發展金融科技之重要智慧資本研究
Important intellectual capital of developing FinTech in Taiwan financial industry作者 蘇芩
Su, Chin貢獻者 王文英
Wang, Wen-Ying
蘇芩
Su, Chin關鍵詞 金融科技
智慧資本
問卷調查法
金融業
FinTech
intellectual capital
questionnaire survey method
financial industry日期 2021 上傳時間 1-Jul-2021 16:33:52 (UTC+8) 摘要 金融科技的出現重塑了金融產業，傳統金融企業欲從高度競爭的市場中脫穎而出，勢必要掌握更多的競爭優勢，而智慧資本乃是組織創造競爭優勢的關鍵所在。故本研究先彙整分析我國金融業發展金融科技的現況與趨勢，包含銀行業的數位銀行、行動支付與開放銀行等；保險業的網路投保、物聯網保險產品、區塊鏈於理賠方面的應用等；及證券業在數位化交易與客製化投資建議服務等發展情況。並以我國上市及上櫃之金融企業為對象，利用問卷調查法，探討影響企業發展金融科技的重要智慧資本，並比較不同金融子產業（包含銀行業、保險業、證券業）對重要智慧資本的認知是否有差異，以供不同金融子產業發展金融科技時的佈局與管理作為參考。本研究結果獲得以下結論：(一)影響金融業發展金融科技之重要智慧資本包含十個因素構面，其中，又以「資訊安全的防護強度」、「資訊科技能力」、「完善的營運流程」三大構面最為重要。(二)不同金融子產業（銀行業、保險業、證券業）對部分智慧資本構面與項目的重要程度認知有所差異，而造成差異的主要原因係產業特性與所處金融科技發展階段不同所致。
The emergence of FinTech (financial technology) has reshaped the financial industry. To take the lead in the highly competitive market, financial services companies should develop their intellectual capital, which has a positive impact on creating a lasting competitive advantage. This paper aims to analyze domestic FinTech trends, including digital banking, mobile payment, open banking, online insurance, IoT insurance, applications of blockchain in insurance claims, securities transaction digitalization and automated investment services, and executive a survey via questionnaires to study the critical intellectual capital of developing FinTech in Taiwan financial industry. Furthermore, this study compares the differences in the importance of intellectual capital among the viewpoints from commercial banks, insurance companies and securities companies. The results thus provide for the reference of developing FinTech for different sub-sectors in Taiwan financial industry. We obtain the following results:(1) 10 factors of intellectual capital are critical for developing FinTech to financial services companies. Among these 10 factors, the most important factors are “information security level”, “information technology competency” and “efficient operation process”.(2) Three sub-sectors of the financial industry, including commercial banks, insurance companies and securities companies, hold different views on the importance of a few factors and indicators of intellectual capital. It is mainly caused by the financial services companies that are at different stages of FinTech development and have varied industry characteristics.參考文獻 中文文獻王儷玲、彭金隆、臧正運、謝明華，2018，我國保險業金融科技(FinTech/InsurTech)發展趨勢之風險管理及監理機制研究，財團法人保險安定基金委託研究案。王儷玲，2020，開放銀行現行挑戰與未來新藍海，遠見雜誌，第411期:28。台灣智慧資本研究中心與資策會，2006，智慧資本管理，台北市：華泰文化事業有限公司。呂佩倚，2019，導入金融科技成功關鍵因素之研究-以金融業為例，私立銘傳大學資訊管理學系碩士在職專班碩士論文。何俊德，2018，銀行導入金融科技關鍵成功因素之研究，國立臺北科技大學管理學院資訊與財金管理 EMBA 專班碩士論文。吳泊綝，2017，金融科技關鍵因素權重評比之研究，國立政治大學經濟學系碩士論文。吳思華、賴鈺晶、顏如妙，2000，網際網路智慧資本衡量與發展措施研究，經濟部工業局軟體五年發展計畫。周文賢，2002，多變量統計分析 SAS/STAT 使用方法，台北：智勝文化。林岑穎，2018，人壽保險業透過保險科技之服務創新關鍵成功因素探討，國立成功大學企業管理學系碩士在職專班碩士論文。陳伯任，2018，以平衡計分卡觀點探討金融業運用 FinTech 之研究─AHP 方法之應用，國立臺北科技大學高階管理碩士雙聯學位學程碩士論文。陳若暉，2017，金融科技，桃園：社團法人全球群眾募資與金融科技服務協會。陳彩稚，2012，保險學，台北市：三民書局股份有限公司。游秉翰，2008，資訊科技投資績效評估指標之研究，國立政治大學會計研究所碩士論文。資策會，2001，我國資訊產業智慧資本現況與未來發展趨勢，財團法人資訊工業策進會專題研究報告。劉百合，2018，台灣金融業數位轉型關鍵因素之探討，國立臺北科技大學管理學 院經營管理 EMBA 專班碩士論文。鄭丁旺、王文英、張清福，2007，我國企業應報導智慧資本項目之調查研究，會計研究月刊，第 259 期：106-121。85英文文獻Aaron, M., F. Rivadeneyra, and S. 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Geneva: World Economic Forum.參考網站金融監督管理委員會新聞稿，2020，金管會持續推動「開放銀行」邁向第二階段「消費者資訊查詢」新里程碑。2021 年 4 月 23 日，取自：https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=202012310001&dtable=News金融監督管理委員會新聞稿，2020，金融業投入金融科技發展金額穩步成長，金管會將持續協助金融產業數位轉型及創新。2021 年 4 月 23 日，取自：https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0%2C2&mcustomize=news_view.jsp&dataserno=202008200001&dtable=News&fbclid=IwAR1pP60Ac6vU97mgwjuTCMFdXf7ylPl3Asx93NJqK1pKjZrY04oGG69J0v0金融監督管理委員會新聞稿，2021，壽險公司 109 年截至第 4 季具外溢效果保險商品及實物給付保險商品之銷售情形。2021 年 4 月 23 日，取自：https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=202101260004&dtable=News財金資訊股份有限公司網站，2019，創新數位金融新契機 開放 API 平台正式啟動。2021 年 4 月 23 日，取自：https://www.fisc.com.tw/tc/news/Detail.aspx?sitemappage=1&PKey=23accc58-b517-42cb-875a-f9891a5526fc麥肯錫，2019，開放銀行的全球實踐與展望：打破藩籬合作共赢。2021 年 4 月23 日，取自：http://www.mckinsey.com.cn/wpcontent/uploads/2019/06/2019_%E9%BA%A6%E8%82%AF%E9%94%A1_%E5%BC%80%E6%94%BE%E9%93%B6%E8%A1%8C%E7%9A%84%E5%85%A8%E7%90%83%E5%AE%9E%E8%B7%B5%E4%B8%8E%E5%B1%95%E6%9C%9B.pdf資策會產業情報研究所，2021，2020 下半年行動支付大調查：六成消費者常用行動支付比例首度超越電子票證。2021 年 4 月 23 日，取自：https://mic.iii.org.tw/news.aspx?id=593經濟日報，2020，打造數位工作場域 永豐金證券導入流程機器人 RPA。2021年 4 月 23 日，取自：https://udn.com/news/story/7239/4742352 描述 碩士
國立政治大學
會計學系
107353008資料來源 http://thesis.lib.nccu.edu.tw/record/#G0107353008 資料類型 thesis dc.contributor.advisor 王文英 zh_TW dc.contributor.advisor Wang, Wen-Ying en_US dc.contributor.author (Authors) 蘇芩 zh_TW dc.contributor.author (Authors) Su, Chin en_US dc.creator (作者) 蘇芩 zh_TW dc.creator (作者) Su, Chin en_US dc.date (日期) 2021 en_US dc.date.accessioned 1-Jul-2021 16:33:52 (UTC+8) - dc.date.available 1-Jul-2021 16:33:52 (UTC+8) - dc.date.issued (上傳時間) 1-Jul-2021 16:33:52 (UTC+8) - dc.identifier (Other Identifiers) G0107353008 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/135908 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 會計學系 zh_TW dc.description (描述) 107353008 zh_TW dc.description.abstract (摘要) 金融科技的出現重塑了金融產業，傳統金融企業欲從高度競爭的市場中脫穎而出，勢必要掌握更多的競爭優勢，而智慧資本乃是組織創造競爭優勢的關鍵所在。故本研究先彙整分析我國金融業發展金融科技的現況與趨勢，包含銀行業的數位銀行、行動支付與開放銀行等；保險業的網路投保、物聯網保險產品、區塊鏈於理賠方面的應用等；及證券業在數位化交易與客製化投資建議服務等發展情況。並以我國上市及上櫃之金融企業為對象，利用問卷調查法，探討影響企業發展金融科技的重要智慧資本，並比較不同金融子產業（包含銀行業、保險業、證券業）對重要智慧資本的認知是否有差異，以供不同金融子產業發展金融科技時的佈局與管理作為參考。本研究結果獲得以下結論：(一)影響金融業發展金融科技之重要智慧資本包含十個因素構面，其中，又以「資訊安全的防護強度」、「資訊科技能力」、「完善的營運流程」三大構面最為重要。(二)不同金融子產業（銀行業、保險業、證券業）對部分智慧資本構面與項目的重要程度認知有所差異，而造成差異的主要原因係產業特性與所處金融科技發展階段不同所致。 zh_TW dc.description.abstract (摘要) The emergence of FinTech (financial technology) has reshaped the financial industry. To take the lead in the highly competitive market, financial services companies should develop their intellectual capital, which has a positive impact on creating a lasting competitive advantage. This paper aims to analyze domestic FinTech trends, including digital banking, mobile payment, open banking, online insurance, IoT insurance, applications of blockchain in insurance claims, securities transaction digitalization and automated investment services, and executive a survey via questionnaires to study the critical intellectual capital of developing FinTech in Taiwan financial industry. Furthermore, this study compares the differences in the importance of intellectual capital among the viewpoints from commercial banks, insurance companies and securities companies. The results thus provide for the reference of developing FinTech for different sub-sectors in Taiwan financial industry. We obtain the following results:(1) 10 factors of intellectual capital are critical for developing FinTech to financial services companies. Among these 10 factors, the most important factors are “information security level”, “information technology competency” and “efficient operation process”.(2) Three sub-sectors of the financial industry, including commercial banks, insurance companies and securities companies, hold different views on the importance of a few factors and indicators of intellectual capital. It is mainly caused by the financial services companies that are at different stages of FinTech development and have varied industry characteristics. en_US dc.description.tableofcontents 圖目錄 ii表目錄 iii第一章 緒論 1第一節 研究背景與動機 1第二節 研究目的與問題 3第三節 論文架構與研究流程 4第二章 文獻探討 6第一節 金融科技之相關文獻 6第二節 智慧資本之相關文獻 12第三節 發展金融科技關鍵成功因素之相關文獻 19第四節 智慧資本問項之初步彙整 22第三章 研究設計 27第一節 觀念性架構 27第二節 研究方法 28第三節 研究對象 30第四節 資料蒐集與分析方法 31第四章 我國金融業發展金融科技之現況與趨勢 34第一節 我國銀行業發展金融科技之現況與趨勢 34第二節 我國保險業發展金融科技之現況與趨勢 40第三節 我國證券業發展金融科技之現況與趨勢 46第五章 問卷定稿與問卷結果分析 50第一節 問卷定稿 50第二節 問卷發放與回收情況 57第三節 問卷結果分析 58第六章 結論與建議 79第一節 研究結論 79第二節 研究建議 81第三節 研究貢獻 82第四節 研究限制 83參考文獻 84附錄 研究問卷 89 zh_TW dc.format.extent 1251535 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0107353008 en_US dc.subject (關鍵詞) 金融科技 zh_TW dc.subject (關鍵詞) 智慧資本 zh_TW dc.subject (關鍵詞) 問卷調查法 zh_TW dc.subject (關鍵詞) 金融業 zh_TW dc.subject (關鍵詞) FinTech en_US dc.subject (關鍵詞) intellectual capital en_US dc.subject (關鍵詞) questionnaire survey method en_US dc.subject (關鍵詞) financial industry en_US dc.title (題名) 我國金融業發展金融科技之重要智慧資本研究 zh_TW dc.title (題名) Important intellectual capital of developing FinTech in Taiwan financial industry en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 中文文獻王儷玲、彭金隆、臧正運、謝明華，2018，我國保險業金融科技(FinTech/InsurTech)發展趨勢之風險管理及監理機制研究，財團法人保險安定基金委託研究案。王儷玲，2020，開放銀行現行挑戰與未來新藍海，遠見雜誌，第411期:28。台灣智慧資本研究中心與資策會，2006，智慧資本管理，台北市：華泰文化事業有限公司。呂佩倚，2019，導入金融科技成功關鍵因素之研究-以金融業為例，私立銘傳大學資訊管理學系碩士在職專班碩士論文。何俊德，2018，銀行導入金融科技關鍵成功因素之研究，國立臺北科技大學管理學院資訊與財金管理 EMBA 專班碩士論文。吳泊綝，2017，金融科技關鍵因素權重評比之研究，國立政治大學經濟學系碩士論文。吳思華、賴鈺晶、顏如妙，2000，網際網路智慧資本衡量與發展措施研究，經濟部工業局軟體五年發展計畫。周文賢，2002，多變量統計分析 SAS/STAT 使用方法，台北：智勝文化。林岑穎，2018，人壽保險業透過保險科技之服務創新關鍵成功因素探討，國立成功大學企業管理學系碩士在職專班碩士論文。陳伯任，2018，以平衡計分卡觀點探討金融業運用 FinTech 之研究─AHP 方法之應用，國立臺北科技大學高階管理碩士雙聯學位學程碩士論文。陳若暉，2017，金融科技，桃園：社團法人全球群眾募資與金融科技服務協會。陳彩稚，2012，保險學，台北市：三民書局股份有限公司。游秉翰，2008，資訊科技投資績效評估指標之研究，國立政治大學會計研究所碩士論文。資策會，2001，我國資訊產業智慧資本現況與未來發展趨勢，財團法人資訊工業策進會專題研究報告。劉百合，2018，台灣金融業數位轉型關鍵因素之探討，國立臺北科技大學管理學 院經營管理 EMBA 專班碩士論文。鄭丁旺、王文英、張清福，2007，我國企業應報導智慧資本項目之調查研究，會計研究月刊，第 259 期：106-121。85英文文獻Aaron, M., F. 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