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研究生:周姿妤
研究生(外文):JOU, TZU-YU
論文名稱:金融科技發展對於臺灣之銀行產業的影響--以實證進行分析
論文名稱(外文):The Effect of Fintech in Banking: an Empirical Study in Taiwan
指導教授:鎮明常鎮明常引用關係
指導教授(外文):CHENG, MING-CHANG
口試委員:張紹基沈仰斌張琬喻黃瓊慧鎮明常
口試日期:2020-07-04
學位類別:碩士
校院名稱:國立中正大學
系所名稱:國際財務金融管理碩士學位學程
學門:商業及管理學門
學類:財務金融學類
論文種類:學術論文
論文出版年:2020
畢業學年度:108
語文別:英文
論文頁數:38
中文關鍵詞:金融科技商業銀行績效金融服務數位銀行
外文關鍵詞:FintechCommercial BanksProfitabilityFinancial ServicesDigital Banking
相關次數:
  • 被引用被引用:1
  • 點閱點閱:657
  • 評分評分:
  • 下載下載:229
  • 收藏至我的研究室書目清單書目收藏:0
本文研究了金融科技對於臺灣銀行的影響,並以31家商業銀行為主要研究樣本,分析了科技的創新在2009年1月至2018年12月期間對於銀行獲利的影響。針對31家商業銀行,細分為三個主要群體。分別是總體、獲利為正值及獲利為負值。
本研究採用OLS模型,並使用Hausman Test測試其屬於固定效應或隨機效應模型。使用線性回歸方法,控制4項獨立變數,包括第一類風險資本比率、成本收入比、實體分行數以及一個虛擬變數,分析對銀行獲利的影響。
實證結果發現,科技對於商業銀行的發展並不完全顯著。但可得知,對於獲利為負值的銀行,金融科技的創新所帶來的結果呈現顯著的負相關。因此,未來銀行在規劃發展策略時,需謹慎思考科技投資之必要性。
This research analysis the effect of Fintech in banking in Taiwan, further investigate the impact on banks’ profitability in the period of January 2009 to December 2018. The research estimates the influence of financial technology among 31 commercial banks in Taiwan. This study applies Hausman test and GLS regression, using the panel data estimation method with 4 independent variables, including Common Equity Tier 1 (CET1), Cost-to-income ratio (CI), number of branches (N_Branches), and dummy variable (Digital_Dummy) to analysis the effect of Fintech in banking in Taiwan. To make the result more specific, based on banks’ performance, the dataset is divided into 3 groups—negative group, positive group and the group with entire data. Result indicates that financial innovations are significantly negative effect on the group having negative profitability. However, for those banks which has positive bank performance, our study finds no evidence to prove it. Should the commercial banks in Taiwan catch up the Fintech trend is still the issue needed to be considered?
Table of Contents
1. Introduction 4
1.1 The background of Fintech environment 4
1.2 The motivation of research 4
1.3 The purpose and contribution of research 5
1.4 The structure of research 5
2. Literature Review and Hypothesis 6
2.1 The origin and importance of Fintech 6
2.2 Fintech in Taiwan 9
2.3 The benefits of Fintech 11
2.3.1 Reduction of operating cost 11
2.3.1.1 The declining of physical branches 11
2.3.1.2 The framework to decline the cost 12
2.3.2 Enlarging the market scale 13
3. Data & Research Methodology 15
3.1 Samples 15
3.2.1 Dependent Variable 17
3.2.2 Independent Variables 17
4. Result and Discussion 24
5. Conclusion 31
6. References 34


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