金融科技發展對金融業中小企業放款業務影響之探討

中小企業放款過程一般是經由客戶的了解及拜訪，並透過相關報表之分析與企業經營未來發展之評估，亦即經由授信 5P 過程來檢視中小企業是否可以完成徵授信之審核，進而取得銀行之融資。然而隨著金融科技的突破及發展，在授信過程是否有更為便利有效的授信評估方式，進而簡化相關作業程序，具有探討之空間。　　本研究以深度訪談方式詢問相關學者專家問題彙整，而後設計問卷，並針對高雄地區銀行授信人員發放問卷，最後進行統計分析。　　研究結果發現，金融科技應用於中小企業放款之金融從業人員、核貸條件建置、提升貸款可信度、貸款流暢度提升、面對經營未來挑戰等五構面，研究發現其兩兩間相關性顯著，顯示其相關性高；迴歸分析結果八個假說均成立，構面之間影響有正向顯著，說明本文挑選之構面極其重要性，可提供給企業主與主管機關參考，亦即金融業持續投入金融科技帶動的數位轉型已成為全球主要趨勢。　　綜合訪談專家學者論述，金融科技發展對金融業中小企業放款應全面普及使用，建立資訊安全與風險管理，善用大數據分析演算與人工智慧的結合，以降低人為疏失的判斷，期許金融科技未來可以改善授信人員對中小企業之認識你的客戶（KYC）。

關鍵字

中小企業放款；金融科技；授信評估

並列摘要

The process of SME lending is generally through the understanding and visits of customers, and through the analysis of relevant reports and the evaluation of the future development of the company's business, that is, through the credit 5P process to check whether the SME can complete the credit review review and obtain financing from the bank However, with the breakthrough and development of financial technology, there is room for discussion on whether there is a more convenient and effective credit evaluation method in the credit granting process, so as to simplify the relevant operating procedures. This research uses in-depth interviews to ask relevant scholars and experts to collect questions, then design a questionnaire, and issue a questionnaire to bank credit officers in Kaohsiung area, and finally conduct statistical analysis. The results of the study found that the application of financial technology to small and medium-sized financial practitioners, the establishment of nuclear loan conditions, the improvement of loan credibility, the improvement of loan fluency, and the face of future challenges in operation. The study found that there are two or two related The regression analysis results show that the eight hypotheses are all valid, and the impacts between the dimensions are positively significant, indicating that the dimensions selected in this article are extremely important and can be provided for reference by business owners and competent authorities. That is, the financial industry continues to invest in digital transformation driven by financial technology, which has become a major global trend. Comprehensive interviews with experts and scholars argued that the development of financial technology for SME loans should be widely used, establish information security and risk management, make good use of the combination of big data analysis and calculations and artificial intelligence to reduce human error judgments, and look forward to the future of financial technology It can improve the credit officer's knowledge of SMEs and your customers(KYC).