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研究生:陳博庠
研究生(外文):Bo-Xiang Chen
論文名稱:金融專利對本國銀行績效的影響
指導教授:陳忠榮陳忠榮引用關係
指導教授(外文):Jo-Rong Chen
學位類別:碩士
校院名稱:國立中央大學
系所名稱:產業經濟研究所
學門:社會及行為科學學門
學類:經濟學類
論文出版年:2020
畢業學年度:108
語文別:中文
論文頁數:48
中文關鍵詞:金融科技金融專利公司績效
外文關鍵詞:FintechFinancial PatentCorporate Performance
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在數位化及行動化的浪潮下,Fintech金融科技在全球的金融市場中開始颳起一場旋風式的改革,各個國家都紛紛投入行列中以求佔領到領先的地位。然而金融業者在面臨消費者的交易模式改變及一直探底的低利率時代來臨,在為了維持原有的企業規模及營業收益,也讓本來都對外採封閉式管理的金融業者不得不將傳統的思維拋之腦後,以因應這波金融科技的來襲,在發展金融科技下也應有相對的保護因此有了金融專利的誕生。而本文欲探討金融專利數對於公司績效的影響,以台灣23間上市上櫃的金融公司為樣本,透過股價及ROA做為應變數,再放入金融專利數、本益比、負債比、公司年齡、外資持股、營業收入、公司規模做為自變數。過去許多文獻都雖有分析專利數對公司績效的影響但多聚焦於生技及電子產業,在金融產業的文獻甚少,也是受到金融專利在近幾年才蓬勃發展所故,因此本文希望研究金融業者在面臨這波金融科技浪潮下所做的創新是否能為該公司帶來立即的成效,也能因此能讓投資人作為參考標的之一。研究結果發現金融專利對於股價有正向的影響,代表金融專利數越多時,對於一間公司的股價會帶來上漲的效果,這與當初預期的效果是相符的,因為一間公司的金融專利數越多代表一間公司擁有著其他公司所沒有的技術,可以使自身的實力及價值更上一層樓,也使得投資人越願意投資,而在ROA方面則與預期結果不符,我認為應當是企業投入相對多的資金去研發技術並取得專利後,但此專利未能在短期間帶來實際上營利的效果故在淨利上尚無法帶來正向的影響。
Under the wave of digitization, Fintech started a whirlwind reform in the global financial market, and various countries have engaged in the ranks in order to occupy the leading position. The financial industry is facing the era of changing consumer transactions and the low interest rate that has been bottoming out. In order to maintain the scale of the reorganized enterprise and the operating income, the financial industry that originally used closed management must throw away traditional thinking. Behind the brain, in response to the arrival of this wave of financial technology, there should be relative protection under the development of financial technology. Therefore, the birth of financial patents. Here we want to discuss the impact of the number of financial patents on company performance, taking 23 listed financial companies in Taiwan as samples. You can use the sample and ROA as the strain number, and then add the number of financial patents, price-earnings ratio, debt ratio, company age, foreign exchange holdings, operating income, and company size as independent variables. Analyzing the impact of the number of patents on the company’s performance but focusing more on the biotechnology and electronics industries. There are very few literatures in the financial industry. It is also because of the rapid development of financial patents in recent years. Therefore, this article hopes that financial industry researchers will face this The wave research found that there is a positive impact on financial patents. Does the innovation that operates under the wave of financial technology, which represents the increasing number of financial patents, bring immediate results to the company, and therefore can also be one of the reference targets for investors. For a long time, it will bring a higher effect to a company, which is consistent with the expected effect, because the greater the number of financial patents of a company, the more the company has technology that other companies do not have. It can bring its own strength and value to a higher level, or the more willing investors are to invest, and ROA is not in line with the expected results. I think it is the enterprise that should deal with a relatively large amount of funds to develop technology and obtain a patent, but this patent Almost in a short period of time, it will bring actual profit-making effects, so it cannot bring a positive impact on net profit.
第一章 緒論 1
1-1 研究背景 1
1-2 研究目的 4
1-3 研究架構 4
第二章 金融專利概述6
2-1 金融科技(FINTECH) 6
2-2 兩岸金融專利發展比較 11
第三章 文獻回顧 13
第四章 資料來源與變數說明 17
4-1 資料來源 17
4-2 變數之定義 21
4-3 敘述統計 25
第五章 研究方法 26
5-1 實證模型 26
5-2 模型檢定(HAUSMAN TEST) 28
第六章 研究結果分析 30
6-1 結果 30
6-1-1 對股價的影響 30
6-1-1 對ROA的影響 32
第七章 結論與建議 34
7-1 結論 34
7-2 研究限制與建議 34
1. 葉玉慧. (2003). 「專利權, 創新投資與公司價值創造關係之研究—以研發投資宣告為例.」 《成功大學國際企業研究所學位論文》, 1-36.
2. 劉芷岑(2017),「金融專利與公司價值- 以台灣上市金融業公司為例。」,國立中央大學產業經濟研究所在職專班碩士論文
3. 陳惠慈(2016),「技術多角化與研發密度對企業績效之影響 ─以組織寬裕為調節變數。」,銘傳大學國際企業學系碩士班碩士論文
4. 王牧樺. (2016). 「CEO 持股率與研發支出和公司績效之關係.」 《臺北大學經濟學系學位論文》, (2016 年), 1-42.
5. Boscaljon, B., Filbeck, G., & Smaby, T. (2006). “Information content of business methods patents.” Financial Review, 41(3), 387-404.
6. Lin, C., & Chang, C. C. (2015). “The effect of technological diversification on organizational performance: An empirical study of S&P 500 manufacturing firms.” Technological Forecasting and Social Change, 90, 575-586.
7. Beccalli, E. (2007). “Does IT investment improve bank performance? Evidence from Europe.” Journal of banking & finance, 31(7), 2205-2230.
8. Lee, I., & Shin, Y. J. (2018). “Fintech: Ecosystem, business models, investment decisions, and challenges.” Business Horizons, 61(1), 35-46.
9. Lerner, J. (2002). “Where does State Street lead? A first look at finance patents, 1971 to 2000.” The Journal of Finance, 57(2), 901-930.
10. Artz, K. W., Norman, P. M., & Hatfield, D. E. (2003, August). “Firm performance: a longitudinal study of R&D, patents, and product innovation.” In Academy of Management Proceedings (Vol. 2003, No. 1, pp. B1-B6). Briarcliff Manor, NY 10510: Academy of Management.
11. Pakes, A. (1985). “On patents, R & D, and the stock market rate of return.” Journal of political economy, 93(2), 390-409.
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