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研究生:葉芯惠
研究生(外文):Hsin Hui Yeh
論文名稱:導入行動金融對銀行業資訊效果之研究
論文名稱(外文):Information Effect of the Introduction Mobile Finance in the Banking Industry
指導教授:王譯賢王偉權
指導教授(外文):Wang, Ph. DWei-Chuan Wang, Ph
口試委員:楊台寧李詩政
口試日期:2015-05-23
學位類別:碩士
校院名稱:中國文化大學
系所名稱:國際企業管理學系碩士在職專班
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2015
畢業學年度:103
語文別:中文
論文頁數:74
中文關鍵詞:行動銀行網路銀行電子銀行異常報酬資訊價值
外文關鍵詞:mobile bankinginternet banke-bankingabnormal returnsinformation value
相關次數:
  • 被引用被引用:1
  • 點閱點閱:535
  • 評分評分:
  • 下載下載:40
  • 收藏至我的研究室書目清單書目收藏:1
本文以台灣上市之銀行業導入兩種新型態服務模式作為研究對象,主要以1996年1月1日至2013年12月31日間,比較公司導入前後的股東財富效果,並且加入財務及營運能力等關聯性的因素,在導入網路銀行時顯示導入訊息有提前反應的現象且市場有意見分歧的情形發生;這種提前反應市場分歧的現象,在宣告導入行動銀行型態服務時,也有相同的實證發現。然而在事件日發生後實證分析顯示,導入網路銀行服務模式,呈現顯著的正向資訊效果,可見投資人對金融業者導入『網路銀行』的訊息存有逐正面反應過度的現象;在宣告導入『行動銀行』型態服務當天與之後並不存在顯著的平均異常報酬。上述研究顯示市場對於金融業者導入新型態之服務模式的反應,提供未來有類似導入新資訊服務活動發生之時,也可給予投資人不同面向之參考。
This study used event study to investigate the shareholders effect of internet banking service pattern and mobile banking service pattern in Taiwan during 1996 to 2013. In addition, this study examines whether these explanatory variables are associated with observed cumulative abnormal returns using a regression model. The analytical results demonstrate that average abnormal returns are significantly different sign before the date of the announcement of in implementing internet banking system, on days -7 and -2, and significantly positive after that announcement date, on days +8 and +15. Moreover, the results also show significantly different sign average abnormal returns before the date of the announcement of in implementing mobile banking system, on days -14, -12 and -4, but insignificantly shareholders effect after that announcement date. Empirical findings show that different financial service pattern may arbitrage opportunities for investors, and can be a reference benchmark for companies and investors in decision-making.
中文摘要 ................... iii
英文摘要 ................... iv
誌謝辭 ...................v
內容目錄 ................... vi
表目錄 ...................viii
圖目錄 ...................ix
第一章  緒論................. 1
  第一節  研究背景與動機.......... 1
  第二節  研究問題與目的.......... 7
  第三節  研究架構與流程.......... 8
第二章  文獻探討............... 11
  第一節  網路銀行的定義與介紹....... 11
  第二節  行動銀行的定義與介紹....... 14
  第三節  重大經營策略宣告事件之影響.... 18
第三章  研究方法............... 23
  第一節  樣本蒐集與描述.......... 23
  第二節  事件研究法............ 26
  第三節  橫斷面複迴歸分析......... 30
第四章 實證分析...............34
  第一節  樣本資料概況........... 34
  第二節  異常報酬檢定........... 35
  第三節  累積異常報酬橫斷面分析...... 37
第五章 結論與建議..............39
  第一節  研究結論............. 39
  第二節  研究限制............. 41
參考文獻 ...................42

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