题名

金融科技對台灣銀行業衝擊之影響分析

并列篇名

An Analysis on the Impact of the FinTech to Taiwan Listed Banks

DOI

10.6902/JNTUST.202212_9(1).0002

作者

曹淑琳(Shu-Ling Tsao)；陳雨青(Yu-Ching Chen)；黃品捷(Pin-Chieh Huang)；蘇祐董(You-Dong Su)；譚尚文(Shang-Wen Tan)；劉俊佑(Jun-You Liu)

关键词

金融科技 ； 支付系統 ； 消費金融 ； 近似不相關迴歸模型 ； FinTech ； Payment system ； consumer finance ； Seemingly Unrelated Regression

期刊名称

中科大學報

卷期/出版年月

9卷1期（2022 / 12 / 01）

页次

23 - 45

内容语文

繁體中文
中文摘要

近年來隨著金融科技持續發展，金融科技在銀行業的服務內容利用科技，促使金融服務的流程走向智能化與數位化，從實際走向虛擬，讓使用者能有更進步的金融科技體驗。由於金融科技的發展，使得各種金融服務創新蓬勃發展，但也為台灣的銀行業帶來前所未有的挑戰。本文使用近似不相關迴歸模型探討金融科技在支付系統與消費金融對本文樣本銀行利息收入、獲利能力、非利息收入，以及風險管理造成的影響與衝擊，發現，一定程度上，金融科技確實影響本文之樣本銀行，但也促使了銀行的發展與轉型。
英文摘要

In recent years, with the continuous development of FinTech, the service content of FinTech in the banking industry has embedded technology to promote the digitalization and intelligence. And consumers can enjoy a better financial service experience, from physical to virtual, from time-limited to ubiquity. Financial technology has brought unprecedented challenges to the banks in Taiwan. This study explored the impact and effect of payment system and consumer finance of FinTech on the banks in Taiwan from the aspect of asset, equity, interest income and risk by seemingly unrelated regression model. The empirical analysis results showed that the FinTech did affect the sample banks in this article, but it prompted the banks to transform and innovate.
主题分类 社會科學 > 社會科學綜合
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