我國電子票據業務之發展與檢討

E-check Practice in Taiwan

楊主行(Chu-Hsing Yang)

《台灣金融財務季刊》 7卷4期 (2006/12) Pp. 53-71

https://doi.org/10.6985/TBFQ.200612.0053

摘要

支付系統的安全性與效率性，攸關金融及經濟發展。由於電子支付工具相較於紙本式(paper-based)支付工具，擁有高效率、安全及便利等優點，故各國均極力倡導電子支付系統。我國於2003年9月推出電子票據系統，希望藉此取代人工作業的實體票據。惟推出以來，市場反應不如預期，支付金額、開戶者與參加此系統金融業者均相當少。本文分別從電子票據的法規基礎、使用與交換實務、SWOT分析，及創新理論等層面，予以探討。發現我國電子票據使用率低落主要原因為低便利性與高成本，無法滿足使用者需求。最後，本文對我國電子票據發展，提出一些建議：增加使用管道、建置系統網絡共用平台、教育與推廣及簡化作業流程等。

關鍵字

電子票據 ； 電子簽章 ； SWOT ； 支付系統

並列摘要

Security and efficiency of the payment system is critical to the financial and economics development. In comparing electronic-base and paper-based payment tools, the former possesses advantages in high efficiency, safety and convenience. Many countries, therefore, are putting their best efforts to promote the electronic-base payment system. In Taiwan, the government started to run e-check on September, 2003, hoping to replace paper checks requiring men-handling. However, market reactions to e-check is not as promising as expected, with only limited amount or number of payment, users and financial institutions participating in this system.
This article explores e-check practice from regulation, usage and clearing house practice, SWOT analysis in line with the innovation theory. The study found that of the low utilization rate of e-check in Taiwan are attributable to inconvenience and high cost, which both failed to satisfy users' need. Finally, the study also suggests increasing channels of usage, establishing common platform for system network to educate and promote users at simplify the born ends operating process, are all critical to the development of e-check in Taiwan,

並列關鍵字

E-check ； electronic signature ； SWOT ； payment system

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