數位存款帳戶對銀行績效的影響-以臺灣為例

隨著網際網路的興起，帶動了電子商務的迅速發展及創新服務，我國金融監督管理委員會不斷地積極推動各項措施促進金融科技(Fintech)發展，推出更完善數位化金融服務，透過 Fintech 的創新，使更多民眾開始使用數位存款帳戶相關服務，打造出普惠金融的環境。因此本文將以銀行作為研究的目標，探討現今在金融科技快速發展的時代背景下，創新技術的發展是否對銀行業有正向影響力，並以金融控股公司和非金融控股公司為研究對象，應用資料包絡分析法(DEA)與 Tobit 迴歸，以分析在數位存款帳戶發展下對銀行績效的影響。研究結果顯示，金控銀行之共同成本效率有優於非金控銀的情形，且金控銀行發展數位存款帳戶之服務能降低銀行經營成本，使銀行績效提升，但非金控銀行發展數位存款帳戶之服務卻有不顯著為負的結果，表示在數位存款帳戶發展需要大量資金進行創新及維護，對於非金控銀行之資源分配有重大影響。

關鍵字

數位存款帳戶；金融科技；銀行績效；資料包絡分析法

並列摘要

With the rise of the Internet, which has driven the rapid development of e-commerce and innovative services, the Financial Supervisory Commission (FSC) of my country has continuously and actively promoted various measures to promote the development of Taiwan's financial technology (Fintech), and launched better digital financial services. Through the innovation of Fintech, so that more people begin to use services related to digital deposit accounts, creating an inclusive financial environment. Therefore, this paper will take the bank as the research goal to explore whether the development of innovative technology has a positive impact on the banking industry in the context of the rapid development of financial technology. Taking financial holding companies and non-financial holding companies as research objects. Applying data envelopment analysis (DEA) and Tobit regression to analyze the impact on bank performance under the development of digital deposit accounts. The research results show that the operating performance of financial holding banks is better than that of non-financial holding banks, and the development of digital deposit account services by financial holding banks can reduce bank operating costs and improve bank performance, but the development of digital deposit account services by non financial holding banks has not significantly negative results, indicating that the development of digital deposit accounts requires a large amount of funds for innovation and maintenance, It has a significant impact on the resource allocation of non financial holding banks.