金融專利對金融績效的影響

近年來，金融科技蓬勃發展， 2008年至2017年間，全球對金融科技的投資增加三倍多。然而，過往文獻，大多分析金融科技的創新或技術和金融專利的訴訟，較少文獻聚焦在金融業的金融專利。因此，本文以2008年至2017年在臺灣申請金融專利的金融業者為研究對象，分析金融專利和績效之間的關係，檢測平均專利成長率、獲利率、規模大小對獲利能力的影響。結果發發現，平均專利成長率與獲利率對資產報酬率有直接的影響力，表示金融專利對提升金融業的績效還是有影響的。

關鍵字

金融專利；金融業；績效

並列摘要

In recent years, financial technology has flourished. From 2008 to 2017, global investment in fintech has more than tripled. However, in the past literature, most of them analyzed the innovation of financial technology or the litigation of technical and financial patents, and less literature focused on financial patents in the financial industry. Therefore, this article takes the financial industry patent application from 2008 to 2017 in Taiwan as the research object, analyzes the relationship between financial patents and performance, and examines the impact of average patent growth rate, interest rate, and size on profitability. As a result, it was found that the average patent growth rate and interest rate have a direct influence on the return on assets, indicating that financial patents have an impact on improving the performance of the financial industry.