消費性貸款：利益關係者觀點之研究

隨著時代進步，金融環境亦不斷在改變，臺灣在歷經1997年亞洲金融風暴、2005年雙卡風暴及2008年全球金融海嘯的衝擊後，各國央行紛紛祭出降息政策，希望挽救已奄奄一息的金融市場，迫使金融機構存放利差縮小，在經營困境中消費性貸款業務依然占有非常重要的地位，面對金融市場競爭日益激烈，各家銀行為了爭取顧客支持，積極致力於研發金融商品之創新，爭取區隔市場利基，以建立核心競爭優勢之餘，金融科技時代來臨，如何在經營者、消費者及業務員等利益者觀點間發展新契機，是金融服務業須面對的新課題。本研究探討消費性貸款的政策制定者（policy makers）與政策相關受益者（beneficiaries）之不同利益關係對象，涵蓋推動單位（銀行管理者）、銀行業務者（銀行員）、使用民眾（消費者），潛在使用民眾，透過深度訪談以詢問消費性貸款之實施在金融產品、銀行服務、經濟價值與功能價值「能夠」，（could）可以做什麼?

關鍵字

消費性貸款；利益關係者

並列摘要

With the progress of the times, the financial environment has been changing. After the 1997 Asian financial turmoil, 2005 dual-card storm and the 2008 global financial tsunami after the impact of the central banks, Taiwan has resorted to cut interest rates policy, hoping to save the dying financial Market. This is forcing the financial institutions to narrow the spread in the operating difficulties. However, consumer credit loan business still occupies a very important position in the face of increasingly fierce competition in the financial markets.The banks in order to win customer support, are actively committed to the development of financial products innovation. In order to establish the core competitive advantage in the era of financial technology, how operators, consumers and sales staff and other stakeholders to develop new opportunities, is the new topic facing by the financial services industry. This study explores the different interests of policy makers and beneficiaries of consumer credit loans, including the promotion of units (bank managers), executive units (bankers), the general public users, and the potential users. In terms of financial products, banking services, economic value and functional value the potential use of the public, through the in-depth interviews to inquire about the nature, what could be done, what is done, and what will be done of implementation of consumer credit loans.