Title

影響金融科技發展因素之探討

Translated Titles

Determinant of the Development of Fintech

DOI

10.6342/NTU201702366

Authors

林詣翔

Key Words

金融科技 ; 金融市場 ; 資訊與通信科技 ; 產業聚落 ; 固定效果模型 ; Fintech ; Financial market ; ICT ; State of cluster ; fixed effect model

PublicationName

臺灣大學經濟學研究所學位論文

Volume or Term/Year and Month of Publication

2017年

Academic Degree Category

碩士

Advisor

李顯峰

Content Language

繁體中文

Chinese Abstract

本研究為探討影響金融科技之重要因素,透過CrunchBase、世界銀行資料庫、IMF資料庫及世界競爭力報告中的統計資料,彙整成一份包含從2010~2014年共五年的資料,擷取24個國家,共18項自變數,120筆資料的縱橫面資料進行分析。本研究使用固定效果迴歸模型,以各國金融科技新創公司數量為應變數,佐以R統計軟體進行實證分析。 實證結果發現,18項自變數中(為避免共線性問題剔除創投資金取得、個人使用網路狀況、人口數及勞動力人口四項變數),顯著影響之自變數有金融市場發展狀況 (正向影響)、政府採購先進科技產品 (負向影響)、資訊與通信科技使用程度(正向影響)、一般商業銀行之健全程度 (正向影響)、經濟成長率(正向影響)和產業聚落發展程度 (正向影響)六個變數。其中政府採購先進科技產品與預測影響方向不符,金融科技發達國家之交叉比對中發現經濟成長率並非重要因素,故本研究探討影響金融科技之重要因素為金融市場發展狀況、資訊與通信科技使用程度、一般商業銀行之健全程度和產業聚落發展程度四項,最後探討台灣在這四項變數上的表現,以及針對我國在金融科技發展上提出改善建議。

English Abstract

In order to explore the key factors which affect the development of Fintech, This study aggregated a panel data during 2010 ~ 2014,includes 18 independent variables, 24 countries ,totally 120 piece of data. This study builds a fixed effect regression model with R. The result shows that among eighteen independent variables, Financial market development、Government procurement of advanced technology products、ICT use、Soundness of banks、GDP growth and State of cluster development are insignificant variables. Especially, the affection direction of Government procurement of advanced technology products isn’t meet that previous prediction, due to the cross-match with those counties which are well developed in Fintech, It’s obviously shows that GDP growth isn’t vital to Fintech development. So we can conclude that Financial market development、ICT use、Soundness of banks and State of cluster development are the four key factors which affect the development of Fintech.

Topic Category 社會科學院 > 經濟學研究所
社會科學 > 經濟學
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