- 學位論文
中、日、韓純網路銀行發展模式-對台灣之啟示
The Development Of Internet-Only Banks In China、Japan and Korea - An Inspiration To Taiwan
摘要
金融科技、網路發展快速，客戶的需求已從線下實體銀行轉為線上虛擬銀行，為因應客戶的需求行為的改變，促成純網路銀行的出現，各國已開始發展純網路銀行，並出現了新創的營利模式，而我國受限於法規及公司等體制的影響，在金融科技新創較不成熟，金管會繼30年前開放銀行後，再次開放兩家純網路銀行執照，期望藉由鯰魚效應貼近客戶生活上的需求。本研究以中國、日本、韓國亞洲國家純網路銀行發展現況及個案進行商業九宮格分析及比較，期望藉由找出各國純網路銀行發展的成功模式，作為我國純網路銀行商業模式發展因應參考。 研究發現純網路銀行的發展依照各國場景與環境，透過股東資源與產業鏈合作，解決各國市場、需求等問題，提供與客戶生活連結的創新服務，打造消費型態的生態圈，我國純網路銀行在起跑點已落後其他國家，須以各國純網路銀行經驗作為借鏡，並且針對每項服務設置關鍵績效指標，培育金融科技人才，增加金融科技創新，才能達到普惠金融。
並列摘要
With the development of the internet and financial technology rapidly, customers’ demand in financial service pattern have changed from the physical bank to the digital bank. In response to the difference in the clients, the innovative business model has emerged such as internet only banks in other countries. The progress in FinTech is relatively immature due to the limitation of laws and company regulations in Taiwan. Two Internet-only banks were licensed by FSC recently since the authority licensed traditional banks thirty years ago. It is expected to realize the catfish effect in the local financial industry. The aim of the study is to investigate the successful business model of internet-only bank in various countries such as China, Japan, and South Korea. The result shows that the development of internet-only bank is different from the environment of the countries. The internet-only bank has a diverse background of shareholders and collaborates their resources and industry chain to solve problems in various countries' markets and customers’ needs. It provides innovative services that connects with customers' lives. However, because the development of internet-only bank started late, it has to set the right targets for KPIs. Cultivating financial technology talents and increasing financial technology innovation are the major lesson for the banks and government to improve financial environment.
參考文獻
延伸閱讀
- 杜英儀（2003）。韓國智慧財產權的融資、保證機制及其對臺灣的啟示。經濟前瞻，(86)，66-70。https://doi.org/10.30071/EOB.200303.0018
- 李創明（2013）。美韓網路身分識別管制資安政策之研究－兼論對臺灣之啟示。危機管理學刊，10(2)，25-36。https://doi.org/10.6459/JCM.201309_10(2).0003
- 陳永賓（2005）。中國大陸服務業技術轉移合作發展之硏究－以台灣、日本、韓國為例。東亞論壇，(449)，47-55。https://doi.org/10.29705/EAR.200509.0006
- 李志強（2017）。The Implications of Mainland China Allowing Taiwanese Businessmen to Set Up Banks in China。展望與探索月刊，15(5)，8-13。https://www.airitilibrary.com/Article/Detail?DocID=P20200116001-201705-202002120010-202002120010-8-13
- 呂宜鴻（2012）。China’s banking sector is taken as the object of analysis,and the westward strategies of Taiwan-invested banks.〔碩士論文，國立中央大學〕。華藝線上圖書館。https://www.airitilibrary.com/Article/Detail?DocID=U0031-1903201314435561