銀行導入Fintech後授信人員應具備關鍵能力-以F公司為例

為促使授信人員，能夠在這波科技金融洪流下，具備符合關鍵性職能，不致使金融授信人員流失，有助於國內授信人才較為明確並確立一致性之職能基準，而達成人才養成及發展最終目的，當Fintech導入銀行授信業務系統後，授信人員才會面臨到強烈的衝擊，然而銀行導入Fintech後金融授信人員的養成及培訓關鍵職能成為銀行必須面對的重點。隨著客戶型態的轉變，金融從業人員必須具備更高的關鍵職能，所以本研究之目的為瞭解目前金融授信人員在銀行導入Fintech後，哪些能力是關鍵能力？在銀行面臨到金融科技的到來，銀行的授信人員應具備及提升的關鍵能力有哪些準則，其準則間相互關聯性及影響關係，本研究經由文獻探討彙整銀行授信人員應具備之能力，透過專家訪談建構研究雛型，再經由德爾菲法收斂並確立本研究架構，共計14項準則，最後以決策實驗室分析法為基礎的網路分析程序法（DEMATEL-based ANP, DANP）求得準則之權重與排序。本研究結果顯示，關鍵準則為｢業務能力｣，其管理意涵是企業應思考要如何提升授信人員透過企業內、外部資源的運用吸引更多人的關注，來提升自身的業務汲取能力，經由實際操作、歷練後，增加人員的經驗值，提高業務經營的成效，以合乎未來金融科技人才的市場需求。業務能力的拓展使得實務經驗的提升，業務能力的持續延續，催生出實務經驗的實力，在這樣的循環下，最終授信人才可持續成長，企業得以永續經營。

關鍵字

金融科技；授信人員；德爾菲法；以決策實驗室分析法為基礎的網路程序分析法

並列摘要

Enable the credit personnel to meet the key functions, so as the waves of Fintech. Then, the credit personnel would not be suffering a huge brain drain, also conduct to the credit personnel to establish a clear and consistent occupational competency standard. Finally, accomplish the ultimate goal of talent cultivation and development. After Fintech implements to the bank loan business system, it has a significant impact on the credit personnel. For this reason, the key point is the bank lending personnel's developing and training. Along with the transforming type of customer, the credit personnel must have higher key functions. Hence, the purpose of this research is trying to figure out the key competencies of the credit personnel before Fintech implement into the bank. When the bank faces Fintech, the credit personnel should have and improve their key capability? What are those criteria of the key capability, and explore the relevance of each criterion? Summarize the required capability of the credit personnel by the literature review. Then, establish the prototype of the research by interviewing experts, and use Delphi Method to converge and confirm the structure of the research, a total of 14 criteria. Finally, the Decision Making Trial and Evaluation Laboratory-based Analytic Network Process (DANP) is used to identify the weighting of each criterion. The result of this research shows that the key criteria are "Business Capability". The management implication of this research is that enterprises should consider how to improve their credit personnel. Also, improve their business learning ability by using both internal and external resources to attract others attention. Moreover, accumulate the experience; improve the business effectiveness to reach the Fintech talents' demand of the market via the practical operation. The expansion of business capability can increase the practical experience. Continue with the business capability, bring out the strength of practical experience. Under this circulation, the continuous progress of the credit personnel can help the enterprises to reach sustainable management.