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| Title: | 融資租賃業資訊發展策略之研究-以T公司為例
RESEARCH ON INFORMATION DEVELOPMNET STRATEGY OF FINANCE LEASE INDUSTRY- A CASE STUDY OF T COMPANY |
| Authors: | 鄭清德
Cheng, Ching-Te |
| Contributors: | 詹文男
尚孝純
鄭清德
Cheng, Ching-Te |
| Keywords: | 融資租賃
產業競爭
價值鏈
優劣分析
Financial Leasing
Industry Competition
Value Chain
SWOT |
| Date: | 2023 |
| Issue Date: | 2023-08-02 13:20:10 (UTC+8) |
| Abstract: | 汽車分期公司屬融資租賃產業，為銀行之外的重要資金融通管道，金融產業競爭已非常激烈，外部又有金融創新業者伺機而入，本研究主要探討個案資訊部門在面對這些外在環境與連結公司策略和資訊內在條件時，如何發展資訊策略，以取得競爭優勢。
本研究採用個案分析方式進行，主要是透過文獻資料的蒐集與個案公司的訪談結果，進行深入的觀察，描述個案公司所處的內外整體環境及經歷過程與訪談者觀點等。產業競爭分析工具採用五力分析、公司策略連結運用價值鏈分析、資訊內在條件則採用資訊階段成長理論進行，再將上述分析結果連結資訊部門的優劣分析進行說明，導引出資訊發展策略。
產業競爭中現有競爭者的威脅與買方的議價能力高，融資租賃產業已為完全競爭市場，故要優化價值活動中的各種關鍵能力，使各活動間緊密契合，互助強化，讓對手難以模仿，此有賴資訊化的強力支援。
而個案公司資訊成長已趨近成熟階段，資源餘裕與管理控制合宜。建議核心系統應進行重構升級，資訊人力與能力進行提昇，以利即時掌握新金融場景與汽車生態系的商機。
因應分析結果，對於後續新公司及新事業之資訊化開展、資訊委外策略、資訊系統開發與架構、新技術導入與新場景應用等未來資訊發展策略將更為明確。
Automobile installment companies belong to the financial leasing industry, which is an important financing channel outside of banks. The competition in the financial industry is already very fierce, and there are financial innovation companies from outside. How to develop an information strategy to gain a competitive advantage when connecting the company`s strategy with the internal conditions of the information.
This research is carried out in the form of case analysis, mainly through the collection of literature and the interview results of the case company, in-depth observation, description of the case company`s internal and external overall environment, the experience process and the interviewer`s point of view. The industry competition analysis tool adopts the five forces analysis, the company strategy link uses the value chain analysis, and the information internal condition adopts the information stage growth theory, and then links the above analysis results to the SWOT of the information department to explain and guide the information development strategy.
In the industry competition, the threat of existing competitors and the high bargaining power of buyers, the financial leasing industry has become a perfectly competitive market, so it is necessary to optimize various key capabilities in value activities, so that the activities are closely matched and mutually strengthened, making it difficult for competitors to imitate. Rely on the strong support of informatization.
However, the information growth of the case company has approached a mature stage, with sufficient resources and proper management and control. However, the core system must be restructured and upgraded, and information manpower and capabilities must be improved in order to grasp the business opportunities of the new financial scene and the automotive ecosystem.
According to the analysis results, future information development strategies such as information development of new companies and new businesses, information outsourcing strategy, information system development and structure, new technology introduction and new scene application will be more clear. |
| Reference: | 一、中文部份
1.中租控股股份有限公司，(2022)。《中租控股股份有限公司 2022年報》。台北市：中租控股股份有限公司。
2.行政院主計處，(2011)。中華民國行業標準分類(第9次修訂)。台北市：作者。
3.宋鎧、范錚強、季延平、郭鴻志、陳明德，(1993)。管理資訊系統 初版。台北縣：國立空中大學。
4.林建甫、彭思遠，(2010)。融資公司法推行之前期評估報告。台北市：財團法人國家政策研究基金會。
5.林東清，(2010)。資訊管理：e化企業的核心競爭能力 四版。台北市：智勝文化。
6.林奕佑，(2020)。台灣純網銀策略探討-以樂天國際商業銀行為例，碩士學位論文，國立政治大學企業管理研究所，台北市。
7.財團法人中華民國會計研究發展基金會，「企業會計準則公報第二十號-租賃」。台北市：作者。
8.梁文耀、林玉菁、李冠賢，(2008)。價值鏈建構與評估模式，資訊管理學報：15卷3期，P181 - 202，中華民國資訊管理學會。
9.黃國峯，(2021)。上課講義，政治大學EMBA文科資組-「策略管理」。
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11.湯明哲，(2003)。策略精論基礎篇。台北市：天下文化出版社。
二、網路部份
1.中租支票通，融資小百科，上網日期：2023/3/22，檢自： https://invoice.bizloan-chailease.com.tw/Wiki/ALL/NEWS_23
2.《其他股》中租3面向數位轉型，創新產品平台拓市，上網日期：2023/6/16，檢自： https://www.chinatimes.com/realtimenews/20191114004563-260410?chdtv
3.和潤企業法說會報佳績 「三大經營方針」航向第三個高成長十年，上網日期 2023/6/16，檢自：
https://www.chinatimes.com/realtimenews/20220321003974-260410?chdtv
4.和潤布局數位轉型 防疫超前升級，上網日期：2023/6/16，檢自：
https://www.chinatimes.com/newspapers/20210521000256-260204?chdtv
5.創業小聚，汽車金融結合最新科技，這些全新機會值得台灣新創把握！上網日期：2023/3/22，檢自：https://meet.bnext.com.tw/articles/view/38484?
三、英文部份
1.Lamarque, Eric. (2000). Key Activities In The Banking Industry: An Analysis By The Value Chain Retrived from:https://www.researchgate.net/publication/228224964_Key_Activities_In_The_Banking_Industry_An_Analysis_By_The_Value_ChainPorter, Michael E. (1980). Competitive Strategic: Techniques for Analyzing Industries and Competitors, New York: Free Press. pp. 22-23.
2.Porter, M. E. (1985). Competitive Advantage New York: Free Press.
3.Porter, Michael E. and Miller, Victor E., (1985). “How Information Give You Competitive Advantage,” Harvard Business Review, pp.149-160.
4.Myers, M. D. (2013). Qualitative research in business and management, Sage.
5.Mason, J. (2002). Qualitative researching(2nd ed.) London: Sage.
6.Gibson, C.F. and R.L. Nolan(1974), “Managing the four stages of EDP growth”, Harvard Business Review,January/February 1974: 76-88.
7.Smith, J. K. (1983). Quantitative versus Qualitative Research: An Attempt to Clarify the Issue. Educational Researcher, 12(3), 6-13.
8.Yin, R. K. (2003). Case study research: Design and methods, 3rd edn. Applied Social Research Methods Series, vol. 5: Sage Publications, Thousand Oaks.
9.Yin, R. K. (2009). Case Study Research: Design and Methods(4th ed.) Thousand Oaks: SAGE. |
| Description: | 碩士
國立政治大學
經營管理碩士學程(EMBA)
110932086 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110932086 |
| Data Type: | thesis |
| Appears in Collections: | [經營管理碩士學程EMBA] 學位論文
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