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| Title: | 應用人工智慧及數位化工具於銀行授信作業之研究-以C銀行為例 |
| Authors: | 張佩瑜
Chang, Pei-Yu |
| Contributors: | 蔡瑞煌
林靖庭
張佩瑜
Chang, Pei-Yu |
| Keywords: | 銀行授信
人工智慧
Credit
Artificial intelligence |
| Date: | 2024 |
| Issue Date: | 2024-08-05 14:18:46 (UTC+8) |
| Abstract: | 台灣金融研訓院（2022）報告指出，近90%的臺灣銀行業者已導入人工智慧（AI）、大數據及機器人流程自動化（RPA）技術，這些技術在未來將對銀行業務產生深遠影響，並且可能會改變其經營模式。授信是銀行的核心業務，其作業效率會直接影響銀行的營運績效，本研究以C銀行企業授信作業流程作為研究對象，探討將人工智慧及數位化工具導入C銀行企業授信作業中，並提出具體的應用方案，再與專家進行深度訪談評估應用方案在作業流程中運用的可行性和實用性。
本研究發現，人工智慧及數位化工具在銀行授信作業中的應用極具潛力，可提升作業效率和服務品質，但與客戶互動關係仍是銀行不可替代的核心競爭力。銀行在導入相關應用時，可以優先導入業務自動化的相關應用，能顯著提升作業效率和減少人力成本；讓工具作為輔助，保持人機協作平衡，同時提高效率及維持服務品質；管理階層應務實地評估實際需求，以避免不必要的投資及資源浪費；提供充分的教育訓練，可以讓應用方案順利推行及提升應用效果。
According to a report by the Taiwan Academy of Banking and Finance（2022）, nearly 90% of Taiwan's banking industry has adopted artificial intelligence, big data, and robotic process automation technologies. These technologies are expected to have a profound impact on banking operations in the future and may change their business models. Loans and credit businesses are core operations of banks. This thesis focuses on the corporate credit operation process of Bank C, researching the application of AI and digital tools in the bank's corporate credit operations, proposing specific plans and interviewing experts to evaluate the feasibility and practicality of their use in the process.
According to the results of this thesis, the application of AI and digital tools in bank credit operations has great potential to improve operational efficiency and service quality. However, customer interaction management remains an irreplaceable core competitive advantage for banks. When introducing related applications, banks can prioritize the implementation of business process automation tools, which can significantly enhance efficiency and reduce costs. Human-machine collaboration enhances efficiency while maintaining service quality. Conducting needs assessment can help avoid unnecessary investments and waste. Providing adequate training can ensure the smooth implementation of application plans and enhance their effectiveness. |
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| Description: | 碩士
國立政治大學
國際金融碩士學位學程
111ZB1068 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0111ZB1068 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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