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Title:	台灣銀行業推展數位金融與經營績效之關聯性 The Correlation between the Evolution of Digital Finance and Bank Performance in Taiwan
Authors:	周品盈 Chou, Pin-Ying
Contributors:	陳鎮洲 Chen, Jenn-Jou 周品盈 Chou, Pin-Ying
Keywords:	數位金融銀行經營績效縱橫資料 Digital Finance Bank Performance Panel Data
Date:	2024
Issue Date:	2024-08-05 12:57:12 (UTC+8)
Abstract:	隨著科技的迅速進步，銀行業不斷進行數位轉型，從Bank1.0-Bank4.0，金融服務的形式正在發生巨大的變革，政府政策也積極推動金融科技的發展，以因應數位化浪潮。在此背景下，本研究旨在分析台灣銀行業推展數位金融與銀行財務績效指標中資產報酬率(ROA)、股東權益報酬率(ROE)的關聯性，以數位金融發展歷程，從自動櫃員機、信用卡、數位帳戶、電子支付帳戶等四大主要業務為研究重點，並納入銀行股權結構、規模以及COVID-19疫情之影響。　　本研究針對台灣16家銀行業，從西元2019年第3季至西元2023年第2季，共256筆縱橫資料(Panel data)，運用敘述性統計、最小平方法與縱橫資料模型中固定效果模型與隨機效果模型，最後透過Hausman test選擇所採用的縱橫資料模型。　　研究結果顯示，信用卡業務與銀行財務績效具顯著關聯性，「信用卡簽帳手續費收入」在整體、公股、非公股銀行呈顯著正相關，惟「信用卡有效卡數」對整體銀行ROA、ROE呈顯著負相關、「信用卡循環利息收入」在公股銀行中對ROA呈顯著負相關，建議銀行核卡前需加強審核持卡人信用狀況與還款能力，並持續追蹤其用卡狀況。　　在自動櫃員機與電子支付業務中，「ATM裝設台數」與公股銀行ROA呈顯著正相關、「電子支付使用者人數」對於公股銀行ROA、ROE、非公股銀行ROE皆呈顯著正相關，銀行可透過拓展ATM與電子支付等金融服務使用範圍，以開拓客源、提升財務績效。此外，COVID-19疫情對銀行績效有顯著負面影響，銀行可透過增加可用資金運用效率、減少不必要的營業支出，並嚴格控管授信品質以減少不良債權，以維持銀行營運穩定性。　　With the rapid advancement of technology, the banking industry has been continuously undergoing digital transformation, evolving from Bank1.0 to Bank4.0. Digital transformation is reshaping the financial services industry, and government policies are actively promoting the development of financial technology to cope with the paradigm shift. In light of the transformation, this study aims to analyze the correlation between the promotion of digital finance in the Taiwanese banking industry and financial performance indicators such as Return on Assets (ROA) and Return on Equity (ROE). The research focuses on the evolution of digital finance, with a specific emphasis on four major services: automated teller machines (ATMs), credit cards, digital accounts, and electronic payment accounts. Additionally, it incorporates factors such as a bank’s ownership structure, size, and the impact of the COVID-19 pandemic. 　　This study examines 16 banks in Taiwan from the third quarter of 2019 to the second quarter of 2023, with a total of 256 panel data observations. Descriptive statistics, ordinary least squares (OLS) methods, and fixed effects models and random effects models in panel data analysis were utilized, and the Hausman test was employed to select the appropriate panel data model. 　　The results indicate a significant correlation between credit card services and bank financial performance. "Credit card transaction fee income" is positively correlated with overall, state-owned, and non-state-owned banks. However, the "number of active credit cards" shows a significant negative correlation with overall bank ROA and ROE. "Credit card revolving interest income" exhibits a significant negative correlation with ROA in state-owned banks. Strengthening the assessment of cardholders' credit conditions and repayment capabilities before approving credit cards, and continuously monitoring their card usage patterns are recommended. 　　Regarding ATM and electronic payment services, the "number of ATM installations" is positively correlated with ROA in state-owned banks. The "number of electronic payment users" is significantly positively correlated with ROA and ROE in state-owned banks and with ROE in non-state-owned banks. Banks can expand the scope of financial services such as ATM and electronic payments to broaden their customer base and enhance financial performance. Furthermore, the COVID-19 pandemic has a significant negative impact on bank performance. Banks should increase the efficiency of fund utilization, reduce unnecessary operating expenses, and strictly control credit quality to minimize non-performing loans, thereby maintaining operational stability.
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Description:	碩士國立政治大學行政管理碩士學程 111921054
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0111921054
Data Type:	thesis
Appears in Collections:	[Master for Eminent Public Administrators] Theses

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