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  • 學位論文

從金融科技下探討純網銀在臺灣發展策略

The Development Strategy Of Internet-Only Banks From Financial Technology In Taiwan

指導教授 : 蔡政言
共同指導教授 : 賴錦璋(CHIN-CHANG LAi)

摘要


為了因應未來的經營挑戰、提升國際競爭力,我們對於金融業未來發展的新興趨勢,應更深入了解。中華民國金管會108年7月30日宣布三家純網銀業者獲得設立許可,純網銀即將到來,也代表著台灣金融業將進入一個新紀元,中華民國金管會於2015年已全面啟動「打造數位化金融環境 3.0」計畫,並研訂金融科技發展策略白皮書,故未來台灣純網銀正式營運時勢必會加速台灣金融科技發展,兩者相輔相成下將對台灣金融產業的發展帶來重大影響。 純網銀的發展會依照各國的習慣、政策、環境與產業之間共同合作,發展出新的創新商業模式,來應付各國市場需求。台灣這次開放三家不同性質公司成立純路銀行,各家公司應當思索各自目標客群與定位為何,如何將金融服務結合現有的科技推出新的金融服務方式,提供客戶更便捷、安全、方便的金融服務。 掌握了關鍵趨勢對於金融業未來的經營策略便更加清晰明確,我國未來在純網銀發展上勢必借鏡其他國家成功經驗,並藉由產業間的合作與加強金融科技人才的培育,方能在未來全球純網路銀行蓬勃發展下搶一席之地,提升我國金融實力,達到普惠金融。

並列摘要


In order to meet future business challenges and enhance international competitiveness, we should have a deeper understanding of the emerging trends in the future development of financial industry. Financial Management Committee announced that three Internet-only banks have obtained the establishment license on July 30, 2019. The Internet-only banks are coming soon, which also represents a new era for financial industry in Taiwan. Financial Management Committee has fully launched "Building Digital Finance" in 2015. Therefore, when Taiwan's Internet-only banks will be officially in operation in the future, it will inevitably accelerates the development of fintech in Taiwan. The complementarity of the two will have a significant impact on the development of Taiwan's financial industry. The development of Internet-only banks will develop new innovative business models in accordance with the customs, policies, environment and industry of various countries to meet the market needs of various countries. Taiwan is opening three companies of different nature to establish Internet-only banks. Each company should think about its target customer group and positioning, how to combine financial services with existing technology to launch new financial service methods to provide customers with more convenient, safe and convenient financial services. Mastering the key trends will further clarify the future business strategy of the financial industry. In the future, China's Internet-only banks development is bound to draw on the successful experience of other countries. Through inter-industry cooperation and financial technology talents cultivation, our country will be able to gain a place under the vigorous development of global Internet-only banks in the future, and enhance financial strength of our country to achieve Inclusive Financing.

參考文獻


一、中文部份:
王梅(2011),國外網路銀行市場准入法律制度研究,法制與社會。
安侯建業KPMG(2017),金融機構如何擁抱金融科技並發展成長。
李谷震(2015),我國網路銀行風險及對監管產生的挑戰分析,產業與科技論壇。
余素梅(2008),美國網上銀行市場准入規則探析,昆明理工大學。

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