政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/141583
English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  全文笔数/总笔数 : 113325/144300 (79%)
造访人次 : 51188405      在线人数 : 906
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
搜寻范围 查询小技巧：
  • 您可在西文检索词汇前后加上"双引号"，以获取较精准的检索结果
  • 若欲以作者姓名搜寻，建议至进阶搜寻限定作者字段，可获得较完整数据
    •  进阶搜寻


    请使用永久网址来引用或连结此文件: https://nccur.lib.nccu.edu.tw/handle/140.119/141583


    题名: 商業銀行因應金融創新與數位科技之策略分析
    Strategic Analysis of Commercial Banks in Response to Financial Innovation and Digital Technology
    作者: 李柏逸
    Lee, Spencer
    贡献者: 張士傑
    李柏逸
    Spencer Lee
    关键词: 實體分行
    創新科技整合
    傳統商業銀行
    金融科技
    Physical branch
    Innovation and technology integration
    Traditional commercial banks
    Fintech
    日期: 2022
    上传时间: 2022-09-02 14:53:25 (UTC+8)
    摘要: 近年金融服務普及，台灣的銀行分行數已接近便利商店數量，在本國銀行的分行家數高達3380家(統計至2022-04)。隨著金融科技的創新，除實體分行的服務深度，更加強數位金融完整性。傳統商業銀行的服務內容似已僵化，科技業因此想涉足金融業。近期熱門的新興技術快速發展，也得到許多關注。金融科技不斷衝擊著傳統商銀。雖然對許多傳統的大型銀行是個隱憂，也提供能快速因應，整合金融科技服務的的機會。
    因受疫情影響及行動銀行功能的普及，到實體分行的消費者已相較過往大幅減少，絕大部分日常交易都可經由第一次到實體分行的認證及設定，可不用再親臨分行。隨著科技越發進步使用民眾年齡逐漸降低，來行辦理金融服務的客戶會越來越少，在營收未大幅增加之下，分行經營的固定成本比重就越來越大。本研究以傳統商業銀行及數位銀行為研究對象，分析已發展數年的新興數位銀行做金融科技的研究背景，研究如何運用金融科技強化傳統銀行的服務，也針對實體分行功能性提出分析建議。
    In recent years, financial services have become popular, and the number of bank branches in Taiwan has approached that of convenience stores. With the innovation of financial technology, in addition to bringing the service depth of physical branches, it also strengthens the integrity of digital finance. The service content of traditional commercial banks seems to have become rigid, making many technology players want to profit in the financial industry. The recent rapid development of popular emerging technologies has also received a lot of attention.
    At present, due to the impact of the epidemic and the popularization of mobile banking functions around the world, the number of people visiting brick-and-mortar branches has dropped significantly compared with the past. This is a benefit brought by modern technology. It is believed that there will be fewer and fewer customers coming to the bank for financial services. Without a substantial increase in revenue, the proportion of fixed costs in branch operations is increasing. This research selects traditional commercial banks and digital banks as the research objects, and also uses the emerging digital banks that have been developing for several years to do the research background and observe the development status of fintech. It also provides analysis and suggestions for the functionality of physical branches.
    參考文獻: 一、中文部分

    布雷特 金恩， 2018 "Bank 4.0"台北市:台灣金融研訓院

    安侯建業， 2021 "金融科技脈動2021年下半年度的報告"上網日期111年4月18日， 檢自: https://home.kpmg/tw/zh/home/insights/2022/01/pulse-of-fintech-h2-21-aspac.html

    安侯建業， 2022 "2022之後FinTech的發展預測"上網日期111年5月20日，檢自: https://home.kpmg/tw/zh/home/insights/2022/01/top-fintech-trends-in-h2-2021.html

    李儀坤， 2016 "FinTech 2.0：金融結合科技，即將顛覆金融業的遊戲規則！"台灣:凱信企管

    高敬原， 2021 "王道銀行市占排名掉到第五!鎖定財管、企金兩大業務"上網日期:111年5月11日， 檢自:https://www.bnext.com.tw/article/62713/o-bank-2021--institutional-investor-conference

    陳慶徽， 2021 ”只想把銀行搬上網金融數位轉型將成災難”上網日期:111年5月14日， 檢自: https://www.businessweekly.com.tw/ Archive/Article?StrId=7003576


    二、英文部分

    Arner, D.W.; Barberis, J.N.; Buckley, RP , 2016 "The Evolution of FinTech: A New Post-Crisis Paradigm?" Hong Kong: University of Hong Kong, Faculty of Law.

    Cisco , 2014 "Reimagining the Digital Bank" June 1 2022, from: https://www.cisco.com/c/dam/en/us/solutions/collateral/executive-perspectives/Internet-of-Everything-executive-susummary.pdf

    Financial Times,2016 " Fintech start-ups put banks under pressure" June 5 2022, from: https://www.ft.com/content/ce8fa350-737f-11e6-bf48-b372cdb1043a

    Jamie Dimon,2015 "Silicon Valley startups are coming to eat Wall street`s lunch" May 152022,from: https://www.linkedin.com/pulse/why-silicon-valley-eat-wall-streets-lunch-marco-streng

    JP Nicols，2018 " Fintech Forge" June 2 2022, from: https://premierespeakers.com /jp-nicols/bio

    Mayer Brown，2016 " The ABC of Fintech: Acquisitions, Brexit and Collaboration " June 2 2022, from:https://www.mayerbrown.com/en/perspectives- events/publications/2016/11/the-abc-of-fintech-acquisitions-brexit-and-collabo
    描述: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    108932120
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0108932120
    数据类型: thesis
    DOI: 10.6814/NCCU202201442
    显示于类别:[經營管理碩士學程EMBA] 學位論文

    文件中的档案:

    档案 大小格式浏览次数
    index.html0KbHTML2102检视/开启


    在政大典藏中所有的数据项都受到原著作权保护.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - 回馈