臺灣銀行業科技服務創新與績效之研究

A Study of Technology Service Innovation and Performance in Taiwanese Banking Industry

姚國中(Kuo-Chung Yao)

指導教授 ： 林惠玲

國立臺灣大學/社會科學院/經濟學研究所/碩士(2008年)

https://doi.org/10.6342/NTU.2008.01211

摘要

本文探討台灣銀行業科技服務創新與績效的關係，過去許多文獻對銀行科技服務創新與績效的研究，多以電子銀行為主要研究範圍，其研究大多利用個案或問卷方式進行，或個別針對網路銀行或行動銀行進行實證研究。本文以計量方法，對所有電子銀行進行實證研究，首先探討銀行提供電子銀行服務之決定因素，再進一步研究電子銀行服務與其績效之關係。研究資料主要來自央行、金管會、台灣經濟新報資料庫及各銀行年報，樣本數包含36家銀行，研究期間由西元1994年至2007年。
本文首先利用Logit模型探討銀行採用電子銀行之決定因素，解釋變數包括資產規模、成立時間、業務類型、政府法令、安全性及上網用戶數等因素，再進一步利用Panel Data模型探討電子銀行與績效之關係，績效變數包括手續費、市佔率、員工平均營收及資產報酬率及淨值報酬率。
本文實證結果發現，以消費性金融為主的新銀行，較積極進行電子銀行通路的服務，藉此提高營收及市場佔有率。而以企業金融為主的公股銀行，對電子銀行的經營並不積極。實證結果顯示，電子銀行可提高手續費收入、市場佔有率及員工平均營收，但無法對資產報酬率及淨值報酬率之財務績效有顯著的影響效果。此外，網路安全性亦是影響網路銀行手續費高低的主要因素，安全性較高的ATM、POS為銀行帶來較高的手續費收入、而安全性較低的網路銀行，為銀行帶來手續費收入較低。

關鍵字

創新 ； 資訊科技 ； 服務創新 ； 績效 ； 電子銀行

並列摘要

The objective of this thesis is to study the relationship of Taiwan's banking industry between its technology service innovation and performance. In the past, most literatures researching on banking's technology service innovation and performance are taking electronic banking as mainly study objects. The research mostly carries on either using case study or the questionnaire method, or individually conducts the empirical study in view of the internet banking or the mobile banking. The thesis is conducting the empirical study to all electronic banking by using econometrics. First of all, researching on the determining factors of providing the electronic banking service. Further studies the relationship of the electronic banking service and its performance. The research material mainly comes from Central Bank, Banking of FSC, TEJ and various banks annual reports. The sample number contains 36 banks, and the research period is from 1994 to 2007.

Firstly, the thesis studies the determining factors of adopting the electronic banking by using the Logit model. The factors of explanatory variable include the asset scale, establishment time, business type, government law, security and internet number of users, etc. Secendly, using Panel Data model to study the relationship of the electronic banking and the performances. Performance variables include handling charge, market share rate, employee productivity, return on assets, and return on equity.

From the empirical result of the research, new banks primarily focusing on consumer finance are more positively carry on the electronic banking channel services. They use electronic banking channels to enhance revenue and market share. As to governmental bank focusing on enterprise finance, they pay less attentions on electronic banking service. Providing the electronic banking is mainly for the customer service. The empirical study result points out that it may enhance the bank charges income, the market share, and the productivity. However, it is unable to bring remarkable influencing effects on the return on assets, and the return on equity. In addition, the network security is also one of the major factors deciding the electronic banking handling charge. ATM and POS, with high security, could bring higher handling charge income than internet banking with low security.

並列關鍵字

innovation ； information technology ； service innovation ； performance ； electronic banking

參考文獻

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