- 學位論文
Bank4.0下實體銀行信用貸款業務之挑戰與因應—以S銀行信用貸款評分卡改革為例
Challenges and Countermeasures of the Credit Loan Business of Physical Banks under Bank 4.0—Taking the Reform of Loan Score Card of S Bank as an Example
摘要
在當代，原本與金融毫無關聯的科技行業，以其所擁有資通訊技術優勢，開始嶄新的金融服務。包括第三方支付、網路群眾募資等新興發展模式，都對傳統銀行業造成影響。 Bank3.0對銀行業造成的實際影響，主要在於分行的消費金融貸款業務受到衝擊，為了面對衝擊，許多銀行開始關閉部分分行，衝擊銀行人員的工作權。 Bank4.0對銀行業造成的實際影響，以「行動支付」來說，就是正在發生的事情，這些影響都是來自科技公司，而不是來自銀行業，他們的交易都在線上完成。以中國為例，電子商務消費中移動錢包消費占比達到65%。這麼龐大的金額，卻沒有實體銀行據點接受存款，完全顛覆了銀行定義。 因此Bank4.0對銀行業造成的影響，就是「金融常在，銀行不再」，所謂「皮之不存，毛將附焉」，既然銀行的存在都變成了問題，當然銀行內的任何業務，包括消費性貸款業務在內，自然都可能變成過往雲煙，因此本論文就針對這些現象，進行深入討論。 在科技金融發展的趨勢下，銀行界的策略，就是必須更要運用同時具有金融知識的科技專才，以便在未來能夠隨時立即應對種種科技金融的挑戰。
並列摘要
In the contemporary era, the technology industry, which had nothing to do with finance, started new financial services with its advantages in capital and communications technology. Emerging development models, including third-party payment and online crowdfunding, have all affected traditional banking. The actual impact of Bank 3.0 on the banking industry is mainly due to the impact of the consumer finance loan business of the branch. In order to face the impact, many banks began to close some branches to shock the working rights of bank personnel. The actual impact of Bank 4.0 on the banking industry, in terms of "mobile payment", is what is happening. These impacts come from technology companies, not from the banking industry, and their transactions are completed online. Taking China as an example, mobile wallet consumption accounts for 65% of e-commerce consumption. Such a huge amount, but no physical bank base accepts deposits, completely subverting the definition of banks. That is to say, the impact of Bank 4.0 on the banking industry is that "finance is always there, banks are no longer." Since the existence of banks has become a problem, of course any Business, including consumer loan business, may naturally become the past, so this paper will discuss these phenomena in depth. Under the development trend of technology finance, the strategy of the banking industry is to use technology experts with financial knowledge at the same time so that they can immediately respond to the challenges of technology finance at any time in the future.