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研究生:陳錫儒
研究生(外文):Chen, Shyi-Ru
論文名稱:推行網路銀行的影響因素及其效益與衝擊之研究
論文名稱(外文):A Study on Factors Affecting Implementation of Internet Banking and Benefits / Impacts after Implementing Internet Banking
指導教授:謝順金謝順金引用關係
指導教授(外文):Hsieh Shun-Chin
學位類別:碩士
校院名稱:淡江大學
系所名稱:資訊管理學系
學門:電算機學門
學類:電算機一般學類
論文種類:學術論文
論文出版年:1998
畢業學年度:86
語文別:中文
論文頁數:80
中文關鍵詞:網路銀行網際網路資訊科技效益衝擊實證研究
外文關鍵詞:Internet BankInternetInformation technologyBenefitImpactEmpirical Research
相關次數:
  • 被引用被引用:29
  • 點閱點閱:391
  • 評分評分:
  • 下載下載:0
  • 收藏至我的研究室書目清單書目收藏:2
  自從第一家網路銀行(Security First Network Bank; SFNB)成立以
來,人類便向網路金融交易環境跨進一大步。而國內的金融機構的推行情
形並不十分積極,為瞭解其中的原因以及推行網路銀行後的影響,本研究
乃以金融機構的觀點,來探討影響國內金融機構推行網路銀行的主要因素
,找出推行後的效益與衝擊,再對國內目前網路銀行的推行情形進行瞭解
。   本研究從組
織內部、外部環境、政府政策法規、網路系統相關和產品特性等五個構面
來探討影響金融機構推行網路銀行的因素,且從正面效益與負面衝擊來探
討推行後對組織的影響,因而提出本研究的理論架構。本研究依據文獻及
架構設計出一份研究問卷,並從國內的金融機構中選取適當樣本進行問卷
調查,總共寄出 133份問卷,有效回收54份,回收率為40.6%。

  由研究結果發現,資訊傳輸之保密性與安全性、資訊傳輸之正確性、
高階主管支持度、政府推動政策、資訊傳輸之可靠度等因素皆會影響金融
機構推行網路銀行。而推行網路銀行後的效益方面,推行後並不會增加與
同業間的聯繫,但可帶來改善服務品質、降低營運成本等的效益。衝擊方
面,發現推行網路銀行後將造成增加管理維護的成本、資料處理安全的威
脅等衝擊。研究結果顯示,目前國內網路銀行開放的功能有金融資訊查詢
以及信用卡業務,其他功能則將逐步開放。另外本研究亦針對資料分析的
結果加以推論和探討,期能作為台灣金融業的參考依據,對實務界有所貢
獻。
Since the first Internet Bank ( Security First Network Bank,
SFNB ) has been established, it makes a crucial step toward
the environment of Internet financial transactions. But the
implementing of Internet Bank in Taiwan is not very
positive. To understand the factors and influences about
Internet banking, we explored the major factors affecting
Taiwan''''s financial institutes to implement Internet Banking in
the point view of financial institutes, and found out
the benefits / impacts after implementing it. We also explored
the current implementing status of Internet Banking in Taiwan.
We made the study in five respects: 1) internal organization,
2) external environment, 3) government''''s policies and actions,
4) network system, and 5) characteristics of Internet Bank.
And explored the influences by two respects: benefits and
impacts. Then we provided a theoretical framework from
above. Based on the literatures, we designed a
questionnaire. Then we selected some proper samples from
financial institutes in Taiwan and mailed the questionnaires
to them. There are 133 questionnaires mailed, and received
54 from them. The response rate is 40.6%.

The results of the research are found that information
transmission privacy and security, information transmission
accuracy, executive''''s support, motivating policies of
government, and information transmission reliability, etc. have
positive relations to implementation of Internet Bank. In the
aspect of benefits, implementing Internet Bank can not
increase the connection from other banks, but can bring some
benefits such as increasing the quality of service, decreasing
the working cost, and so on. In the aspect of impacts,
implementing Internet Bank will bring the impacts like
increasing the maintenance cost and the threat of data
processing security, etc. The outcome of this research also
shows that now the open functions of Internet Bank are 1)
looking up financial information, and 2) Credit Card tasks.
The others will gradually open. Besides, this research also
infers the result from the analyzed data to provide the
reference of Taiwan''''s banking and some contributions to the
practices.
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