臺灣博碩士論文加值系統

論文提要內容：日本這幾十年來適逢 「電子商務」 像閃電似般的傳到亞洲各地區，甚至於全世界，而世界各國也因資訊科技及科學應用的發達，促使人類追求進步的欲望提昇、探討研究之要求也隨之相當旺盛。一個國家的富強是全靠於經濟的發展而決定的，如今新發明的「電子科技」引進社會並廣泛運用於士、農、工、商、醫、教育等部門，使得「電子商務」與我們的日常生活密切的相關。現今的企業也都紛紛引進「電子商務」來提升競爭力、而銀行在電子商務中扮演的角色更為重要，致使日本銀行更加的重視電子商務的策略應用及發展，以提昇獲利能力。銀行在電子商務所被要求的職責已不同於昔日只靠金利收入之經營方式，而是要在銀行和企業(如「日立公司」)、客戶之電子商務交易間，提出銀行對活用資訊技術的新觀點與策略作法，以拓展銀行更多的收入來源。當一個國家能發展到與其他先進國家並肩而行，都是以經濟為基礎，而經濟發展等於是國家的根源所在。而這個根源就是最近被社會所重視的「電腦」，電腦應用到社會的各個層面，也促使了電子商務交易的出現。因此本論文研究目的如下：一、瞭解日本銀行導入電子商務的策略。二、分析日本銀行如何使用電子商務達成其策略目標。本研究以採取「個案研究方法」，配合相關資料蒐集方法，以瞭解個案銀行(Japan Net Bank、Sony Bank、eBANK銀行)在電子商務之經營模式，並期望能夠提供相關電子商務經營策略供導入電子商務經營的銀行做參考之用。經由本文之研究，得到以下四結論：一、由於日本經濟不景氣，掀起企業倒閉潮，致使企業紛紛進行重整改造，基於這樣的認知，銀行在企業改造過程中不得不研究電子商務以因應未來的發展。二、不良債權壓力巨大：為解決銀行的不良債權，日本政府採取了一系列措施以減少銀行不良債權的增加，此外，不少日本銀行及企業已默默在進行企業再造的工程(Re-structuring)，以便迎接21世紀更嚴厲的挑戰，企業想突破經營上的頻頸，就是要打破及企業過去所建立的成功經驗，尋求新的成功方式。三、日本各大銀行應該加快重建步伐：1996年11月開始的日本金融大改革『Japanese Big Bang』，對金融機構的透明度要求變得更為嚴格，面對外來的競爭對手，日本的銀行必須進行改革以增強實力，否則默守舊有的經營方式只會令銀行失去競爭力，同時，將可能被外資銀行吸收合併。四、經由個案分析比較得知，網路專業銀行在電子商務上要成功，策略上的選擇必須透過與其他同業、異業進行策略聯盟或結盟之動作才能使電子商務的運用推展更容易成功。

ABSTRACT
Thesis title: The Adoption of E-commerce in the Japanese Banking System
Thesis introduction:
In the past decades, Japan has been faced with the new phenomenon “e-commerce” ( electronic commerce ) which has spread like fire all over Asia, and even all around the world. Development in information technology and science has led to a situation where people’s desire for improvement has become even stronger, and this in turn has triggered the need for discussion and research to be felt more acutely. A country’s power and finance have always been dependent on its economic development, for example, today’s new electronic technology has already penetrated all the vital fields of agriculture, industry, business, medicine, and education. Therefore, this has knitted a very close and inevitable relationship between the development of the e-commerce and the daily life of each and every individual.
Nowadays, enterprises and businesses have also started to make use of e-commerce in order to increase their efficiency and advantage in our new competitive era. This is especially true where the banking sector is concerned. Indeed, such an environment has left the Japanese banks with no choice but to follow the electronic trend if they want to raise their profitability. Their priorities are now no longer solely governed by interest rates, but also include improving their skills to an effective use of the electronic strategy in dealing with their customers. e.g Hitachi
For a country to reach the status of an advanced nation, its economy has to be the backbone of such progress since it is the root of that country. As explained above, we can thus derive that a country’s root is that machine which has been given so much importance recently, in simple terms, the computer. The latter is present in all the different levels of society, and has caused the wide-spread usage of e-commerce as a way of making business dealings. Consequently, the aims of the above —mentioned thesis were set to:
(1) Understand the adoption of e-commerce by the Japanese banking system.
(2) Analyze the mechanisms through which the Japanese banking system makes use of e-commerce to reach their strategy’s objectives
This research is using the study of practical examples, complimented with related information, and the understanding of how different banks’ (Japan Net Bank, Sony Bank, eBank) e-commerce management structure operate. It wishes to use these examples of e-commerce management strategy and bring them forward for a better understanding and application of similar strategies by other organizations.
After thorough study and analysis the following 4 conclusions could be made:
(1) Due to the Japanese economic recession, a wave of pessimism has swept over businesses, as the number of bankruptcy started to increase. One by one, companies have begun looking for new ways to survive and restructuring has become an unavoidable recognition. It is during this process that the banking sector has turned to e-commerce for future development.
(2) High pressure due to bad debts: In order to solve the bad debts problem, the Japanese government has taken a series of measures to decrease the rising number of bad debts. Moreover, quite a lot of Japanese banks and businesses have already quietly entered a restructuring phase, as a preparation to face the new challenge of the 21st century. Enterprises have reached a stage where they can no longer use past successful experiences as reference, but, on the other hand, they have to look for innovative ways to succeeded.
(3) Every major bank in Japan should set up measures and processes for restructuring:
The year 1996 saw the beginning of the “Japanese Big Bang” , making financial structures very open and more subject to possible criticism. Facing international competitors, Japanese banks have to revolutionize and strengthen their tactics. Otherwise, abiding by former rules will cause a loss in productivity and competitivity, which will in turn lead to a situation where other more powerful international banks would acquire local ones.
(4) After analysis and comparison of practical examples we can conclude that, internet banks must succeeded in the field of e-commerce and choosing the right strategies. The latter should be carefully examined and set after analysis of similar financial agencies or different types of organizations. Only then will e-commerce be promoted and lead to success.

目 錄
目 錄．．．．．．．．．．．．．．．．．．．．．．．．Ⅰ
表 次．．．．．．．．．．．．．．．．．．．．．．．．Ⅲ
圖 次．．．．．．．．．．．．．．．．．．．．．．．．Ⅲ
第壹章 緒 論．．．．．．．．．．．．．．．．．．．．． 1
第一節 研究背景與研究動機．．．．．．．．．．．．．．．． 1
第二節 研究目的．．．．．．．．．．．．．．．．．．．．． 3
第三節 研究流程．．．．．．．．．．．．．．．．．．．．． 4
第貳章 文獻探討．．．．．．．．．．．．．．．．．．．．． 5
第一節 日本銀行經營現況及重整的期待．．．．．．．．．．． 5
第二節 電子商務交易產業現況．．．．．．．．．．．．．．． 14
第三節 網路銀行與策略聯盟之定義．．．．．．．．．．．．． 28
第四節 日本銀行導入電子商務之經營策略．．．．．．．．． ．36
第參章 研究設計．．．．．．．．．．．．．．．．．．．．． 40
第一節 研究方法．．．．．．．．．．．．．．．．．．．． ．40
第二節 資料蒐集與個案選取．．．．．．．．．．．．．．． ．44
第三節 研究限制．．．．．．．．．．．．．．．．．．．． 45
第肆章 個案分析．．．．．．．．．．．．．．．．．．．． 46
第一節 日本銀行體系介紹．．．．．．．．．．．．．．．． 47
第二節 JapanNetBank個案公司．．．．．．．．．．．．．． 55
第三節 SonyBank 個案公司．．．．．．．．．．．．．． ． 61
第四節 eBANK銀行個案公司．．．．．．．．．．．．．．．．67
第五節 網路專業銀行之策略比較．．．．．．．．．．．．． 72
第伍章 結論與建議．．．．．．．．．．．．．．．．．．． 77
第一節 結論．．．．．．．．．．．．．．．．．．．．．． 77
第二節 建議．．．．．．．．．．．．．．．．．．．．．． 87
參 考 文 獻．．．．．．．．．．．．．．．．．．．．．． 89
表 次表2-1企業間電子商務之發展階段．．．．．．．．．．．．．．．．．．．22表3-1策略聯盟定義．．．．．．．．．．．．．．．．．．．．．．．．．29表4-1 Japan Net Bank之股權概要．．．．．．．．．．．．．．．．．．．56表4-2 Sony Bank之股權概要表．．．．．．．．．．．．．．．．．．．．63表4-3 eBANK銀行之股權結構概要表．．．．．．．．．．．．．．．．．68表4-4網路專業銀行之股權概要表．．．．．．．．．．．．．．．．．．．74圖 次圖1-1研究流程圖．．．．．．．．．．．．．．．．．．．．．．．．．．．4圖2-1美國、日本、德國之銀行部門的淨值報酬率(R.O.E)移動圖．．．．．． 5圖2-2各主要國家金融、保險費佔國內生產毛額(G.D.P)之比率．．．．．．． 6圖2-3日本之金融保險業和服務業之比率．．．．．．．．．．．．．．．．．7圖2-4大規模15銀行之經情報組織經費統計圖．．．．．．．．．．．．．．12圖2-5 2003年(美國、日本)之企業間電子商務的萌芽和銀行之新職責．．．． 21圖3-1分析架構圖．．．．．．．．．．．．．．．．．．．．．．．．．． 43

ㄧ、中文部分
1.劉原宏，網路銀行策略聯盟之探討，國立臺北大學企業管理研究所碩士
論文，民國九十年六月。
2.曹昌平，從電子商務策略聯盟觀點看信用合作社之經營策略─以高雄三
信為例，國立台灣大學財金研究所EMBA碩士論文，民國八十九年五月。
3.余千智，「電子商務總論」，智勝，民國八十八年，頁223~244。
4.陳雪美譯，「電子商務管理概論」，國際中文版，民國八十八年，
頁188~221。
5.江義平，台灣中小企業策略聯盟決策模式建構與分析之研究，國立中興
大學企業管理研究所博士論文，民國八十八年六月。
二 、英文部分
1.Seybold Patricia B., “Customer.com, How to create a
Profitable Business Strategy for Internet and Beyond,”
Patricia Seybold Group, Inc., pp.63-71, 1998.
2.Yin, R. K., “Case Study Research: Design and Methods,”
London：Sage, 1994.
三、日 文 部 分
1.アンダ－センコンティング金融ビックバン戦略本部，金融業-勝者の
戦略，東洋経済新報社，Ｐ.２９－Ｐ.３０，１９９８年．
2.アンダ－センコンサルティング，日米電子商取り引きの市場規模調
査 ，通産産業省，１９９９年．
3.飯村慎一、大崎貞和，インタ－ネットバンキング（２００１），
日本経済新聞社，Ｐ.２００－Ｐ.２１４，２０００年．
4.eBANK銀行，イ－バンクデイスクロ－ジャ－誌「２００２」，
Ｐ.６－Ｐ.１９，２００１年．
5.井上能行，電子決済システムの仕組み（２０００），日本実業版，
Ｐ.７０－Ｐ.７１，１９９９年．
6.小原由紀子，銀行革命-勝ち残るのは誰かメガバンクＶＳ異業種銀行，
講談社，１９９９年．
7.金融ジャ－ナル，金融ジャ－ナル社，２０００年４号，Ｐ.３２
8.平成１０年度国民経済計算，経済企画庁，１９９９年．
9.SonyBank，ソニ－バンクデイスクロ－ジャ－誌Money Kit
「２００２」，Ｐ.１４－Ｐ.４８，２００１年．
10.日刊工業新聞社，動き出したネット銀行のすべて（２００１），
Ｐ＆Ｔブックス，Ｐ.９０－Ｐ.９８，２０００年．
11.２０２０年の日本の金融－金融サ－ビス業の将来像，
日本経済研究センタ－，１９９７年．
12.トップアナリスト大予測２０００年，日本経済新聞社，１９９９年．
13.日本経済を中心とする国際比較統計，日本銀行国際局，１９９１
年、１９９５年、１９９９年．
14.経済統計年報，日本銀行調査統計局，１９９９年．
15.情報化白書，日本情報処理開発協会，１９９９年．
16.金融ビッグバンと産業変革，日立総合計画研究所，１９９７年．
17.マッキンゼ－金融グル－プ，新銀行の戦略革新，東洋経済新報社，
Ｐ.８３、Ｐ.１６９，１９９７年．
18.三井住友銀行，三井住友銀行デイスクロ－ジャ－誌「２００２」，
Ｐ.２－Ｐ.７７，２００１年．
19.吉川紀夫，ビックバン後の銀行経営，東洋経済新報社，１９９８
年．
20.銀行価値を生む合併，ゴ－ルドマンサックス証券，１９９９年．
21.JapanNetBank，ジャパンネット銀行デイスクロ－ジャ－誌
「２００２」，Ｐ.５－Ｐ.２８，２００１年．
（関連のインタ－ネット）
1.http://www.ebank.co.jp
2.http://www.money.kit
3.http://www.smbc.co.jp
4.http://www.japannetbank.co.jp