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  • 學位論文

金融技術創新對銀行業與金融監理之影響

The Impact of Financial Technology Innovation on the Banking Industry and Financial Supervision

指導教授 : 謝德宗

摘要


資訊科技進步帶動金融技術創新,提供網路化、電子化、自動化金融服務,目的是降低交易成本、規避價格風險、增進市場效率。金融技術創新對銀行業的影響又可分為轉型金融與跨界金融,轉型金融為銀行業轉型過程,行動銀行的出現與實體分行轉型皆屬此範疇 ; 跨界金融為銀行業者與其他業者異業競合關係,如第三方支付與 P2P 借貸。不僅銀行業面臨金融技術創新帶來的挑戰,主管機關與央行亦須對其衍生議題-金融監理與貨幣政策作出調整。無論轉型金融或跨界金融範疇,銀行業本身皆面臨諸多威脅與挑戰。本研究歸納出三大方向與策略:(1)銀行業者應儘早佈局,面臨數位化趨勢,顧客使用金融交易服務習慣的培養、銀行後端資訊系統的建置與人力資源的轉型培訓皆非一蹴可幾。(2)銀行業者應平衡資訊安全與金融服務便利性,追求優質服務同時,利用新興金融創新科技提升資訊安全能力,關注資訊安全議題以保障消費者權益。(3)銀行業者應以開放策略與其他業者合作,創造雙贏局面。 金融技術創新改變消費者行為與金融業商業模式,主管機關須在金融監理面與政策面調整以適應全新業務經營與行銷模式,強化消費者權益保障。金融技術創新過程提供客戶不受地域、空間限制的金融服務,降低交易成本、減少資訊不對稱、提高市場效率同時,也從各角度影響貨幣政策,央行應檢討傳統貨幣政策適用性,增進貨幣政策調節經濟之效率,促進經濟成長與穩定。

並列摘要


With technological progress, online, electronic and automated financial service of financial technology innovation allow society to reduce transaction cost, eliminate price risk and enhance market efficiency. The impact of financial technology innovation on the banking industry is categorized into transboundary finance and crossboundary finance. Transboundary finance is the process of banking industry’s transformation, including the existence of mobile banking and the repositioning of physical branches. Crossboundary finance is the co-opetition relationship between the banking industry and other industries, such as third-party payment and peer-to-peer lending. Not only does the banking industry face the challenge triggered from financial technology innovation, the financial authorities are also responsible for making adjustment to financial supervision and monetary policy. Within transboundary finance and crossboundary finance, the banking industry faces tremendous threat and challenge. This paper summarizes three major strategies: (1) The bankers should be well-prepared as early as possible. To overcome challenge in this digital era, it takes time to cultivate customer’s habit, to implement the banking information system and to plan training program. (2) The bankers should balance both information security and convenience. To protect consumer rights and to provide high-quality financial service, they should improve information security by financial technology innovation and keep a sharp eye on this issue. (3) To create a win-win situation, the bankers should cooperate with other industries in open-minded strategies. Since financial technology innovation alters the consumer behavior and business models in the banking industry, the financial authorities should adjust policies and supervisory mechanism to adapt to new business operation and marketing strategies as well as enhance consumer rights and protection. The process of financial technology innovation makes financial service without limitation of space and time. It reduces transaction cost, lowers asymmetric information, enhances market efficiency and influences monetary policy. The central bank is responsible for examining the effect of traditional monetary policy to enhance efficiency, boost and stabilize economic situation.

參考文獻


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被引用紀錄


林育鴻(2018)。金融科技監理模式:以臺灣網路金融借貸平台為例〔碩士論文,國立臺灣大學〕。華藝線上圖書館。https://doi.org/10.6342%2fNTU201800187

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