| dc.contributor.advisor | 季延平 | zh_TW |
| dc.contributor.advisor | Chi, Yan-ping, | en_US |
| dc.contributor.author (作者) | 陳椿齡 | zh_TW |
| dc.contributor.author (作者) | Chen, Chun-ling, | en_US |
| dc.creator (作者) | 陳椿齡 | zh_TW |
| dc.creator (作者) | Chen, Chun-ling, | en_US |
| dc.date (日期) | 2002 | en_US |
| dc.date.accessioned | 11-九月-2009 17:57:14 (UTC+8) | - |
| dc.date.available | 11-九月-2009 17:57:14 (UTC+8) | - |
| dc.date.issued (上傳時間) | 11-九月-2009 17:57:14 (UTC+8) | - |
| dc.identifier (其他 識別碼) | G0089932114 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/30454 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 經營管理碩士學程(EMBA) | zh_TW |
| dc.description (描述) | 89932114 | zh_TW |
| dc.description (描述) | 91 | zh_TW |
| dc.description.abstract (摘要) | 中文摘要 我國銀行業自民國79年推行金融自由化並陸續開放16家新銀行設立後，由於各銀行之產品同質性高，為追求業績成長競相採取價格競爭策略爭取客戶;加上銀行間有不當擴張客戶信用，導致銀行出現利差下降、逾放增加、授信品質惡化、營運績效大不如前的不利現象。銀行如何提供創新或差異化產品或服務以區隔市場，或者如何做好授信風險控管等皆是未來影響銀行營運優劣的重要課題。 銀行業除面臨以上的問題外，由於係屬使用資訊密集之產業，對資訊科技仰賴甚深;尤以Internet興起後，銀行更可藉此提供打破時空限制之線上服務(諸如:網路銀行或電子商務)，更對銀行的經營模式與經營管理產生重大衝擊與影響。在經營環境生態改變以及資訊科技的衝擊下，如何配合企業經營策略擬定合適的資訊策略，建構有利的資訊架構與資訊系統，以導引資訊化的有效發展，進而有助於銀行降低成本、提高營運管理績效、提升服務品質與創造競爭優勢，實是值得研究。 為奠定本研究根基，本研究從銀行業經營面臨挑戰、企業策略與實務運用、資訊科技架構及銀行資訊科技應用、資訊策略等方面進行文獻探討，得到如下資料： 企業策略對企業的經營、競爭等營運績效影響甚鉅。正確的資訊策略將有助於企業策略之達成，故對企業的營運績效同具密切影響力。IT在不同企業會顯示出不同的策略角色，擬定資訊策略者要先了解企業策略，再者要清楚了解IT在組織中的角色，方可適切擬定資訊策略。同時企業要清楚採用何種資訊策略後，方有助企業的營運定位與資源分配，並可避免失敗，進而提升營運績效。 本研究的研究架構係以企業策略、資訊策略、資訊架構、企業實務等四個構面來探討其相互關連性,並導引出資訊策略與其他構面之主從關係，以及不同資訊策略之作法與影響。 而研究方法主要採行文獻探討與個案研究的方式。所選的個案公司，乃因其具有營運的特殊性、時間的洽當性、資訊的客觀性，故而以其研究主體。研究工具，以深入訪談、資料分析為主軸。 對個案公司的研究，先從公司的相關資料的整理著手、次而探討公司制定資訊策略相關構面，最後作綜合分析並提出如下的結論與建議： （一）結論：個案公司具有如下營運與資訊策略議題： 1.營運應考量，如何有效改善目前資訊系統僅作為業務支援性的角色; 同時由現有的資訊影響結構圖可知:其資訊策略、資訊架構及企業策略都僅著眼目前問題的解決；其實應著眼未來的定位、經營方向與策略的確立，以為未來企業發展與資訊發展的依循。 2.資訊策略議題，應注意有效連結企業策略、改變現有支援型資訊策略為策略型資訊策略、不同系統間整合、加強網路化及整合性服務提供、如何改變資訊部門角色與地位等之議題。 （二）建議：個案公司訂定資訊策略應考量如下幾點： 1.掌握資訊化契機 2.執行資訊策略實務工作的建議: (1)作業流程流線化，節省處理時間及成本。 (2)有效整合多方繁雜的現有系統。 (3)將資訊部門角色由過去的系統開發與維護改變成捕獲外在 策略資源、資訊資源分配、資訊管理之推廣與教育訓練等。 (4)建立資訊長之職責與資訊政策。 (5)建立以平衡計分卡為基礎之資訊開發專案管理制度。 關鍵詞 資訊策略、資訊架構、企業策略、企業實務、競爭策略、銀行 | zh_TW |
| dc.description.abstract (摘要) | Abstract Since the banking industry in our country implemented financial liberalization in 1990, sixteen new banks have been gradually established. Because the products of each bank are very similar, the banks compete with pricing strategies in order to seek for business growth and gain clients. In addition, some banks improperly expand client credit, leading to unfavorable results such as: dropping the profit spread of banks, increasing the amount of overdue loans, worsening of credit quality and declining performance. Several important issues need to be considered which can influence the success of the bank`s operation in the future. Firstly, how can the innovation or differentiation of products or services to segment market be achieved; and how can better credit risk control be achieved? In addition to facing the problems mentioned above, the banking industry is one that mainly relies on information technology. Especially, since the introduction of Internet banking, banks can provide online services to break through space and time limitations via Internet banking or electronic commerce. These new creations have had a great impact upon the business model and operating management. Under the impact of information technology and the change of operating environment, several points need to be investigated: 1. How to set up a suitable information strategy to match the business strategy for enterprises? 2. How to establish favorable information framework and system to induce efficient development of information? in order to reduce costs for banks, to increase operation management performance and to improve the quality of service and to create competitive advantage. In order to establish foundation of this research, this research searched literature review from the operational challenges facing the banking industry, the need for practical application, business strategies, IT framework and application, resulting in the collection of the following data: 1. Business strategy largely influences the performance of operation and competition. 2. Correct information strategy will be helpful in achieving business strategy so as to influence operating performance. Information technology will demonstrate different strategic roles in different businesses. The planner of information strategies should understand business strategy and further clearly understand the role of information technology within the organization so that the suitable information strategy can be planned and implemented. In the meantime, businesses need to understand which information strategies should be applied in order to help the positioning of business operation and resource allocation not only to avoid failure but also to increase operating performance. The structure of this research is based on business strategy, information strategy, and information framework and business practice. There are four components whose interrelationships need to be discussed and which induce subordinate and lesser relationships between information strategy and the other components, and the application and impact of different information strategies. Research method mainly utilizes literature review and case studies. Selected case study companies were chosen for their operation characteristics and suitability of timing and objectiveness of information. Study tool mainly uses extensive interview and data analysis as the main focus. The starting point for researching the case study company was the arrangement of relevant data of this company. The next step was to study the company`s setup of related components of information strategy. Finally, a summary analysis was made and the proposed conclusions and suggestions are as follows: A. A case study company has the following operation and information strategy issues: 1. With regards to operations, it should be considered how to effectively improve the current information system only as a supporting role. In the meantime, from the structure graph of the current influence of information, it is understood that information strategy, information framework and business strategy all emphasize upon solving current problems. Actually, it should focus on how to position future business direction and strategy establishment for the guidance of future business development and information development. 2. Information strategy issue should include effective linking with business strategy, changing the currently supporting information strategy into strategic information strategy, integrating different systems, strengthening network formalization and providing integrated services and changing the role and position of the information department. B. Suggestions: The case study company wishing to set up information strategy should consider the following: 1. Take the opportunity of information transformation. 2. Suggestion of information strategy implementation into practice: a) Streamlining of operation workflow to save cost and time of processing b) Effectively integrating many currently used complicated systems c) Changing information department from the previous functions of system development and maintenance into capturing strategic resources, allocating information resources, promoting information management and educational training d) Establishing the responsibility of the CIO of information and policies of information e) Establishing information development project management system based on Balanced Score Card Keywords: Information strategy; information framework; business strategy; business practice; competition strategy; bank | en_US |
| dc.description.abstract (摘要) | "目 錄 謝 辭------------------------------------------------------------I 中文摘要------------------------------------------------------------II 英文摘要------------------------------------------------------------IV 目 錄-----------------------------------------------------------VII 表 次------------------------------------------------------------IX 圖 次-------------------------------------------------------------X 第一章 緒論 --------------------------------------------------1 第一節 研究背景與動機 ------------------------------------------ 1 第二節 研究目的---------------------------------------------------- 2 第三節 研究範圍-----------------------------------------------------3 第四節 研究程序---------------------------------------------------- 3 第五節 預期研究成果---------------------------------------------- 4 第二章 文獻探討------------------------------------------- 5 第一節 銀行業經營面臨挑戰之探討--------------------------- 5 第二節 企業策略與企業實務運用競爭策略之探討--------- 10 第三節 資訊科技、資訊架構與銀行資訊科技應用之探討-- 27 第四節 資訊策略與策略資訊系統之探討----------------------- 40 第三章 研究架構與方法--------------------------------------58 第一節 研究架構------------------------------------------- 58 第二節 研究方法------------------------------------------- 61 第四章 某銀行個案研究-------------------------------------- 67 第一節 個案公司相關資料之說明---------------------- 67 第二節 個案公司制定資訊科技應用策略相關購面 之分析-----------------------------------------------75 第三節 綜合分析--------------------------------------------83 第四節 個案結論--------------------------------------------93 第五章 結論與建議---------------------------------------------97 第一節 研究結論--------------------------------------------97 第二節 研究建議--------------------------------------------99 參考文獻--------------------------------------------------------104 表 次 表2-1：企業採用資訊科技的三種類----------------------------------29 表2-2：資訊科技架構的類型-------------------------------------------32 表2-3：資訊系統的演進趨勢-------------------------------------------49 表2-4：Wiseman策略動力理論分析架構之舉例說明-------------56 表4-1：個案銀行相關指標在本國地位-------------------------------69 圖次 圖2-1：SOG模式--------------------------------------------------- 21 圖2-2：McFarlan-McKenney的策略方格---------------------- 23 圖2-3：資訊科技架構之組成------------------------------------- 31 圖2-4：以策略格道來衡量是否外包---------------------------- 43 圖3-1 研究步驟圖-------------------------------------------------- 66 圖4-1：個案銀行網路架構圖------------------------------------ 73 圖5-1：個案公司資訊影響結構--------------------------------- 98 圖5-2：對個案公司建議之資訊影響結構---------------------102 | - |
| dc.description.tableofcontents | 目 錄 謝 辭------------------------------------------------------------I 中文摘要------------------------------------------------------------II 英文摘要------------------------------------------------------------IV 目 錄-----------------------------------------------------------VII 表 次------------------------------------------------------------IX 圖 次-------------------------------------------------------------X 第一章 緒論 --------------------------------------------------1 第一節 研究背景與動機 ------------------------------------------ 1 第二節 研究目的---------------------------------------------------- 2 第三節 研究範圍-----------------------------------------------------3 第四節 研究程序---------------------------------------------------- 3 第五節 預期研究成果---------------------------------------------- 4 第二章 文獻探討------------------------------------------- 5 第一節 銀行業經營面臨挑戰之探討--------------------------- 5 第二節 企業策略與企業實務運用競爭策略之探討--------- 10 第三節 資訊科技、資訊架構與銀行資訊科技應用之探討-- 27 第四節 資訊策略與策略資訊系統之探討----------------------- 40 第三章 研究架構與方法--------------------------------------58 第一節 研究架構------------------------------------------- 58 第二節 研究方法------------------------------------------- 61 第四章 某銀行個案研究-------------------------------------- 67 第一節 個案公司相關資料之說明---------------------- 67 第二節 個案公司制定資訊科技應用策略相關購面 之分析-----------------------------------------------75 第三節 綜合分析--------------------------------------------83 第四節 個案結論--------------------------------------------93 第五章 結論與建議---------------------------------------------97 第一節 研究結論--------------------------------------------97 第二節 研究建議--------------------------------------------99 參考文獻--------------------------------------------------------104 表 次 表2-1：企業採用資訊科技的三種類----------------------------------29 表2-2：資訊科技架構的類型-------------------------------------------32 表2-3：資訊系統的演進趨勢-------------------------------------------49 表2-4：Wiseman策略動力理論分析架構之舉例說明-------------56 表4-1：個案銀行相關指標在本國地位-------------------------------69 圖次 圖2-1：SOG模式--------------------------------------------------- 21 圖2-2：McFarlan-McKenney的策略方格---------------------- 23 圖2-3：資訊科技架構之組成------------------------------------- 31 圖2-4：以策略格道來衡量是否外包---------------------------- 43 圖3-1 研究步驟圖-------------------------------------------------- 66 圖4-1：個案銀行網路架構圖------------------------------------ 73 圖5-1：個案公司資訊影響結構--------------------------------- 98 圖5-2：對個案公司建議之資訊影響結構---------------------102 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0089932114 | en_US |
| dc.subject (關鍵詞) | 資訊策略 | zh_TW |
| dc.subject (關鍵詞) | 資訊架構 | zh_TW |
| dc.subject (關鍵詞) | 企業策略 | zh_TW |
| dc.subject (關鍵詞) | 企業實務 | zh_TW |
| dc.subject (關鍵詞) | 競爭策略 | zh_TW |
| dc.subject (關鍵詞) | 銀行 | zh_TW |
| dc.subject (關鍵詞) | Information strategy | en_US |
| dc.subject (關鍵詞) | Information framework | en_US |
| dc.subject (關鍵詞) | Business strategy | en_US |
| dc.subject (關鍵詞) | Business practice | en_US |
| dc.subject (關鍵詞) | Competition strategy | en_US |
| dc.subject (關鍵詞) | Bank | en_US |
| dc.title (題名) | 銀行資訊科技應用策略之研究--以個案銀行為案例探討 | zh_TW |
| dc.type (資料類型) | thesis | en |
| dc.relation.reference (參考文獻) | 參考文獻 | zh_TW |
| dc.relation.reference (參考文獻) | (1)季延平，上課講義，政治大學EMBA資管組『資訊策略管理』， | zh_TW |
| dc.relation.reference (參考文獻) | 民國91年4月 | zh_TW |
| dc.relation.reference (參考文獻) | (2)林東清，資訊管理/Management Information Systems，初版，智勝文化，民國91年9月 | zh_TW |
| dc.relation.reference (參考文獻) | (3)Robert Klepper & Wendell O，Jones/塔吉克資訊有限公司譯， | zh_TW |
| dc.relation.reference (參考文獻) | 『資訊系統委外管理概論/Outsourcing Information Technology，Systems & Services』，初版，跨世紀電子商務出版社』，民國88年10月 | zh_TW |
| dc.relation.reference (參考文獻) | (4)余千智等，電子商務總論/Handbook of Electronic Commerece；Technology，Management，and Applications，初版，智勝文化，民國88年4月 | zh_TW |
| dc.relation.reference (參考文獻) | (5)宋鎧等，管理資訊系統，初版，華泰書局，民國86年7月 | zh_TW |
| dc.relation.reference (參考文獻) | (6)謝清佳等，資訊管理理論與實務/Management Information Systems， | zh_TW |
| dc.relation.reference (參考文獻) | 四版，智勝文化，民國89年5月 | zh_TW |
| dc.relation.reference (參考文獻) | (7)司徒達賢，策略管理新論--觀念架構與分析方法，初版，智勝文化，民國90年1月 | zh_TW |
| dc.relation.reference (參考文獻) | (8)鐘日迪，金融資訊科技對銀行經營之影響，中山大學碩士論文，民國90年7月 | zh_TW |
| dc.relation.reference (參考文獻) | (9)楊恆華，資訊時代企業經營策略與資訊科技策略調準之研究 | zh_TW |
| dc.relation.reference (參考文獻) | ，台灣大學碩士論文，民國90年6月 | zh_TW |
| dc.relation.reference (參考文獻) | (10)榮泰生，資訊科技的策略運用，自動化科技，1993年10月 | zh_TW |
| dc.relation.reference (參考文獻) | (11)鄭嘉慶，科技進展與銀行競爭優勢，金融財務，第二期 | zh_TW |
| dc.relation.reference (參考文獻) | (12)Bernard Boar，The Art of Strategic Planning for Information Technology，Second Edition，John Wiley & Sons，Inc。2001 | zh_TW |
