- 作者: 俞海琴; 李紹璧
- 作者服務機構: 中原大學國貿系; 中國信託商業銀行
- 中文摘要: 本文係以結構-行為-績效之產業組織為架構,探討在現今銀行業市場結構下,各銀行之資訊科技採用行為對銀行經營績效之影響。其中資訊科技之變數包含資訊科技支出費用率、資訊科技支出費用、自動提款機數目、環球財務網路、電腦化水準與跨行金融網路數目等,並以二階段最小平方法(2SLS)為統計方法,納入所有權型態、分支機構數與營業成長率等外生變數,再以營業費用率及使用者滿意度為經營績效衡量之指標,對國內34家新舊銀行1990年至1993年4年間之年資料進行實證分析。 結果發現,在眾多資訊科技中,參加環球財務網路對降低營業費用率有正影響;而自動櫃員機之數目與電腦化水準,則對存款市場佔有率有顯著正影響,顯示資訊科技之採用行為確實對於銀行業之經營績效與市場結構產生正面效果。然而,資訊科技支出費用卻對營業費用率沒有顯著影響。因此,產業組織構念中結構-行為-績效間之相互影響,在銀行業資訊科技採用行為上,僅獲得部份之支持。
- 英文摘要: This paper attempts to use the Structure-Conduct-Performance framework to investigate the impactsof Information Technology on operating performance in Taiwan's Bank. We collect the annual reports ofTaiwan's 34 banks from 1990 to 1993 and use 2SLS method to do this empirical study. The Informationtechnology variables include Information Technology Expenditure, numbers of ATMs, SWIFT, computinglevel ratio, interbank network, and also include type of ownership structure, number of branches, salesgrowth rate as exogenous variables, both operating expense ratio and user's satisfaction degree are usedas indications of performance. The results reveal that SWIFT has positive influences on reducing operatingexpenses, numbers of ATMs and computing level ratio have positive significant influences on deposit marketshare. But information technology expenditure has no significant influences on operating expense ratio.So the S-C-P framework only gains partly support in Taiwan's banking industry.
- 中文關鍵字: 資訊科技; 經營績效; 銀行廠商; 自動化
- 英文關鍵字: Information Technology; Operating Performance; Banking Industry; Operating Effciency