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    題名: 臺灣普惠金融發展之研究：以韓國為鑑
    A Study of Taiwan Financial Inclusion Development：Korea as a Reference
    作者: 陳鴻
    Chen, Hong
    貢獻者: 顏錫銘
    Yen, Si-Ming
    陳鴻
    Chen, Hong
    關鍵詞: 普惠金融
    數位金融
    金融科技
    非現金支付
    日期: 2021
    上傳時間: 2021-02-01 14:31:11 (UTC+8)
    摘要: 隨著經濟的快速發展帶來的需求，相關的金融服務如雨後春筍般的出現，讓消費者們生活更加便利，也帶動了整體社會的進步，使得各國也藉著各種不同方式逐步發展普惠金融，而臺灣也在此行列當中。截至2017年為止，臺灣成年人口擁有銀行帳戶的比率是94.2%，跟其他國家比較起來算是相當高的數字，不過與同樣屬於高收入國家或地區中，臺灣在借貸、儲蓄等基礎金融行為及數位金融的使用比率上，則表現相對差強人意，表示雖然臺灣幾乎人人有銀行帳戶，但使用各項線下及線上之金融服務的人仍占少數，特別是較低收入族群以及居住在較偏鄉地區的族群更是明顯，也表示臺灣在實現普惠金融目標上仍有很大的努力空間。
    與臺灣相比，韓國同樣屬於高收入國家之列，且擁有與臺灣相近之94.9%帳戶擁有率，卻在各項金融行為之使用率上明列各國前段水準，顯示出韓國在發展普惠金融的道路上做出了更多的努力，也是臺灣能夠學習的良好對象，除此之外，全球各國在此領域也各自有著值得臺灣學習的做法。
    本研究目的為藉由整理臺灣各項金融行為表現之程度，並藉由臺灣在各項數據上與韓國之比較，以及探討韓國與各國政府單位、金融機構之作法，找出臺灣在普惠金融發展上出現之問題，包含弱勢族群與其他人民在帳戶擁有率、借貸、儲蓄等基礎金融行為上所出現之差異、數位金融使用程度上之落後、非現金交易通路上之顯著落差等問題。最後針對上述之問題，我們提出適合臺灣解決問題之建議策略，包含政府機構與金融機構合作，降低金融服務門檻、透過金融科技提高人民帳戶持有率並降低偏鄉地區人民使用金融服務成本、透過地方政府機構提供金融教育與資訊、提供數位管道使用金融服務之補貼、建立基礎網路設施等。
    With the demand brought by the rapid economic development, related financial services have sprung up, making consumers` lives more convenient, and also driving the progress of the society as a whole, making countries gradually develop inclusive finance through various methods, and Taiwan is also among the ranks. As of 2017, the percentage of Taiwan’s adult population with bank accounts is 94.2%, which is a very high figure compared to other countries. However, compared with other high-income countries or regions, Taiwan’s basic financial behaviors such as lending and saving and digital In terms of financial utilization ratio, the performance is relatively unsatisfactory, indicating that although almost everyone in Taiwan has a bank account, the number of people who use various offline and online financial services is still a minority, especially the lower-income groups and those living in more remote rural areas. The ethnic group in the region is even more obvious, and it also indicates that Taiwan still has a lot of room for efforts in achieving the goal of inclusive finance.
    Compared with Taiwan, South Korea is also a high-income country, and has a 94.9% account ownership rate similar to Taiwan. However, the use rate of various financial activities clearly lists the country’s leading level, showing that South Korea is developing inclusive finance More efforts have been made on the road, which is also a good target for Taiwan to learn. In addition, countries around the world have their own practices in this field that Taiwan can learn from.
    The purpose of this research is to sort out the degree of Taiwan’s financial performance, compare Taiwan’s data with South Korea, and explore the practices of South Korea, government units and financial institutions in various countries, and find out Taiwan’s inclusive finance Problems in development include the differences between disadvantaged groups and other people in basic financial behaviors such as account ownership, lending, and savings, the backwardness in the use of digital finance, and the significant gap in non-cash transaction channels. Finally, in response to the above-mentioned problems, we propose suitable strategies for solving Taiwan’s problems, including cooperation between government agencies and financial institutions to lower the threshold of financial services, increase the holding rate of people’s accounts through financial technology, and reduce the cost of financial services used by people in remote areas. Local government agencies provide financial education and information, provide subsidies for digital channels to use financial services, and establish basic network facilities.
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    描述: 碩士
    國立政治大學
    企業管理研究所(MBA學位學程)
    106363109
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0106363109
    資料類型: thesis
    DOI: 10.6814/NCCU202100149
    顯示於類別:[企業管理研究所（MBA學位學程）] 學位論文

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