公司治理、公平待客、金融創新對公司經營績效之影響-以台灣金融業為例;The Effect of Corporation Governance, Fair Customer Treatment, and FinTech on the Operation Efficiency of Taiwan Financial Industry

NCU Institutional Repository > 管理學院 > 產業經濟研究所碩士在職專班 > 博碩士論文 > Item 987654321/96259

請使用永久網址來引用或連結此文件: http://ir.lib.ncu.edu.tw/handle/987654321/96259

題名:	公司治理、公平待客、金融創新對公司經營績效之影響-以台灣金融業為例;The Effect of Corporation Governance, Fair Customer Treatment, and FinTech on the Operation Efficiency of Taiwan Financial Industry
作者:	陳芬貞;CHEN, FEN-CHEN
貢獻者:	產業經濟研究所在職專班
關鍵詞:	COVID-19;公司治理評鑑;公平待客原則評核;金融創新;COVID-19;corporate governance;fair treatment of customers;financial innovation;FinTech
日期:	2025-01-17
上傳時間:	2025-04-09 17:29:50 (UTC+8)
出版者:	國立中央大學
摘要:	2019 年爆發COVID-19，短短期間，全球性大流行，成為國際性公共衛生事件，此疫情導致嚴重全球性問題，社會行為模式被迫改變，經濟秩序紊亂，可謂環境對人類的最大反撲，同時，全球經濟陷入極大衰退，即便在邊境陸續解封後仍未回復。本研究乃以為 2018 年至 2022 年間台灣銀行、保險、證券公司為對象，資料取自於台灣經濟新報（TEJ）、行政院主計處、公司治理中心、金管會、及專利局網站。研究實證結果發現，於 COVID-19 期間，仍可見公司治理對金融業經營績效的具體影響力，而公平待客原則評核、金融科技發展，則未見具體影響，推測公平待客原則評核排序固引發同業良性競爭，惟投入形象營造者大於金融消費者保護，或許因此短期間難將效益反映在經營績效。另外，金融業意外地受惠於 COVID-19 特殊事件而得以將採行之創新業務快速落地，然實證結果發現金融創新解釋變數對經營績效尚不具顯著性，與文獻存有差異。推測肇因於研究資料期間之總體經濟受創，復因金融科技從導入到產生營收需要時間，近年科技詐騙頻傳，實名制確有必要，而如何平衡個人資料隱私保護與經濟效益亦將是日後實證研究可以探討的範疇。;In 2019, the outbreak of COVID-19 rapidly escalated into a global pandemic. This pandemic widely regarded as humanity′s most significant crisis. It plunged the global economy into the deepest recession, with lingering effects even after economic reopening. This study focuses on all banks, insurance companies, and securities firms in Taiwan from 2018 to 2022. Data were sourced from the Taiwan Economic Journal (TEJ), the Directorate-General of Budget, Accounting and Statistics, the Corporate Governance Center, the Financial Supervisory Commission (FSC), and the Taiwan Intellectual Property Office websites. Empirical results reveal that despite the impact of COVID-19, corporate governance still has a tangible influence on the operating performance of the financial sector. However, the Fair Treatment of Customers Assessment and the development of financial technology showed no significant effects. It is hypothesized that while the assessment promotes competition among peers, efforts focused more on image-building rather than on consumer protection, making it challenging to reflect benefits in operating performance in the short term. Additionally, though the financial industry benefitted from the swift adoption of FinTech during the COVID-19 crisis, the empirical results show that financial innovation variables did not have significant impact thereon. This is likely due to the overall economic downturn during COVID-19. Moreover, financial technology requires time to revenue. The study may expand data period, and segregate into small, medium, and larger-sized enterprises for future research.
顯示於類別:	[產業經濟研究所碩士在職專班 ] 博碩士論文

文件中的檔案:

檔案	描述	大小	格式	瀏覽次數
index.html		0Kb	HTML	14	檢視/開啟

在NCUIR中所有的資料項目都受到原著作權保護.

社群 sharing

資料載入中.....