資訊技術的進步與網際網路的發展，加劇企業競爭的強度，全球興起電子商務熱潮的影響亦同，各產業各企業無不積極投入以因應其帶來衝擊。本研究從產品服務以及服務管道二構面，探討我國銀行電子商務化之差異，以及電子商務化與經營績效之相關。本研究以國內47家銀行為樣本。採用因素分析、集群分析與多變量變異數分析等多變量方法進行資料分析。研究發現：1、銀行電子商務有差異存在；2、銀行電子商務化程度與經營績效有顯著相關。 With the evolution of information technology and advance of the Internet, the introduction of electronic commerce (e-commerce) has made the business world even more competitive. Companies of all industries are actively participating in e-commerce so as to cope with any forthcoming impact out of this new form doing business. The current study probes into the differentiation between e-commerce patterns of Taiwanese banks, and the relationship between their e-commerce involvement and operating performance. By means of multivariate analysis, this study based on a sample of 47 domestic banks in Taiwan shows a significant difference in e-commerce patterns among those banks and a notable relationship between their e-commerce involvement and operating performance.
