簡易檢索 / 詳目顯示

研究生: 官婉玲
WAN-LING KUAN
論文名稱: 世界金融科技趨勢下我國金融業之展望
The Prospect of Taiwan's Financial Industry under the Trend of Global Fintech
指導教授: 陳俊男
Chun-Nan Chen
欒斌
Pin Luarn
口試委員: 陳俊男
Chun-Nan Chen
欒斌
Pin Luarn
李永銘
Yung-Ming Li
學位類別: 碩士
Master
系所名稱: 管理學院 - 財務金融研究所
Graduate Institute of Finance
論文出版年: 2018
畢業學年度: 106
語文別: 中文
論文頁數: 86
中文關鍵詞: 金融科技行動支付P2P 網路借貸智能理財機器人金融沙盒
外文關鍵詞: financial technology, mobile payment, peer-to-peer lending, smart finance robot, financial sandbox
相關次數: 點閱:437下載:2
分享至:
查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報
  • 本研究彙整世界金融科技發展趨勢,並且專注於行動支付、P2P 網路借貸、以及智能理財機器人發展狀況,這也是台灣目前銀行較為熱門的金融科技發展領域。

    美國、中國大陸與丹麥行動支付發展狀況。根據統計資料,美國 2017 年行動支付交易金額達到 492.9 億美元,2019 年預估將高達 1,417 億美元,2021 年交易金額預估將達到 1899.7 億元。中國行動支付交易金額在 2016 年也已經超過 50 億美元,未來金融科技發展看好。丹麥行動支付交易金額於 2015 年的統計資料為 8,400 萬美元,預估於 2021 年時,將成長至 37 億美元,每年將以 2-3 倍速度增長。

    P2P 網路借貸之世界發展趨勢,本研究蒐研美國、中國大陸與英國發展情況。美國方面,P2P 網路借貸具有高投資報酬率以及平台有效管控投資風險,因此吸引投資者資金挹注,發展前景看好。中國目前是全球擁有最多 P2P 借貸平台的國家,規模約為 669 億美元,是美國的四倍。英國 P2P 截至 2015 年為止,貸款人數達 12.8 萬人,借款人數則達 27.3 萬人,產值於 2015 年 4 月為止至少已經累積至 13.9 億英鎊。

    智能理財機器人,本研究列舉美國、中國大陸、以及英國發展狀況。美國預估 2016年與 2017 年美國理財機器人投資顧問業者的資產管理規模約達 3,000 億與 5,000 億美元。中國大陸到 2020 年,預計中國人工智能理財規模將達到 5.22 兆人民幣。

    眼觀世界金融科技發展趨勢,反觀我國金融科技發展浪潮中的定位,本研究透過訪談方式,討論我國金融科技發展狀況。在整體構面上處於發展初期,消費者接受度仍有很大的進步空間。受訪者表示,若要突破目前狀況,開放跨境消費或者跨境金融產業合作。在人才構面,應該提高產學合作,讓學校明白企業的需求,提昇金融科技人才之質量與數量。

    最後,有關國內的金融科技法規問題,受訪者強調金融監理沙盒的重要性。在主管機關監理之下,採取報備制,讓業者在此實驗場所中,盡情測試創新產品、服務乃至於商業模式,在無不當得利下並暫時享有法規的豁免與指導,且與監管者高度互動、密切合作,共同解決在測試過程中所發現或產生的監理與法治面議題。


    This study collected data and analyzed trends on the development of global financial
    technology and focused on the development of mobile payment, peer-to-peer (P2P) lending, and smart finance robots. These are also popular fields of financial technology development in Taiwan.

    The total transactions of mobile payments in the United States reached US$49.29 billion in 2017 and are estimated to reach US$141.7 billion in 2019 and US$189.97 billion in 2021. The total mobile payments in China exceeded US$5 billion in 2016 and demonstrate the potential for development. In Denmark, total transactions were US$84 million in 2015 and are estimated to grow two to three times annually to reach US$3.7 billion by 2021. This study researched the United States, China, and the United Kingdom for global development trends for P2P lending. In the United States, P2P lending has a high return on investment and effective control of investment risk and, therefore, attracts the capital investment of investors and shows favorable development prospects. China currently has the highest number of P2P lending platforms in the world and a scale of approximately US$66.9 billion, which is four times that of the United States. As of 2015, the number of P2P lenders in the United Kingdom was 128,000, whereas the number of borrowers reached 273,000 people, and the accumulated production had reached £1.39 billion by April 2015.

    The United States estimates that the scale of asset management of finance robot
    investment consultants in the United States reached US$300 billion and US$500 billion in 2016 and 2017. By 2020, China estimates that the scale of artificial intelligence finance in China will reach US$5.22 trillion. With the passing of the Retail Distribution Review in the United Kingdom in 2013, low-cost Internet investment services emerged, facilitating the rise of the finance robot investment consulting industry.

    To compare global financial technology development trends with those in Taiwan, this
    study used interviews to investigate the development of financial technology in Taiwan to discover the position of Taiwan in the wave of financial technology development. As Taiwan was at an early development stage for financial technology, consumer acceptance had much room for improvement. Respondents stated that cross-border consumption or cross-border finance industry cooperation should be opened up to break out of the current situation. Industry–academia cooperation should be increased for schools to understand the needs of enterprises and increase the quality and quantity of financial technology talents.

    Finally, respondents emphasized the importance of the financial regulatory sandbox
    when asked about the difficulties regarding financial technology laws and regulations in Taiwan.

    Under the supervision of competent authorities, practitioners at this experimental site Taiwan tested innovative products, services, and even business models as much as they liked and enjoyed temporary exemption and guidance from regulations. They had many interactions with supervisors and worked closely with them to jointly solve supervision or legal problems that were discovered or generated during testing。

    摘要 ........................................................................... I ABSTRACT ..................................................................... III 目 錄 ........................................................................... V 圖目錄 ........................................................................ VII 表目錄 ....................................................................... VIII 第一章 緒論 ...................................................................... 1 1.1 研究動機與背景 ............................................................... 1 1.2 世界金融科技趨勢 ............................................................. 2 1.3 我國金融科技發展現況與困境 .................................................... 4 1.4 研究目的 .................................................................... 7 1.5 研究流程 .................................................................... 8 第二章 世界金融科技發展狀況 ...................................................... 10 2.1 行動支付發展現況 ............................................................ 10 2.2 P2P 融資發展現況 ............................................................ 20 2.3 智能理財機器人發展現況 ....................................................... 25 第三章 研究設計 ................................................................. 30 3.1 研究方法與架構 .............................................................. 30 3.2 訪談對象 ................................................................... 31 3.3 訪談問題架構 ................................................................ 33 第四章 研究結果 ................................................................. 35 4.1 行動支付訪談結果 ............................................................ 35 4.2 P2P 網路借貸訪談結果 ........................................................ 39 4.3 智能理財機器人訪談結果 ....................................................... 41 4.4 我國金融科技發展訪談結果 ..................................................... 43 第五章 結論與研究建議 ........................................................... 47 5.1 本文結論.................................................................... 47 5.2 研究限制與未來建議 .......................................................... 50 參考文獻 ....................................................................... 53 中文文獻........................................................................ 53 英文文獻 ....................................................................... 54 網際網路 ....................................................................... 54 附錄 ........................................................................... 56 附錄一 世界金融科技趨勢下我國金融業之展望-訪談題目 ................................. 56 附錄二 世界金融科技趨勢下我國金融業之展望-訪談逐字稿 ............................... 58

    中文文獻
    王外連,王明宇與劉淑貞,2013,中國跨境電子商務的現狀分析及建議, 電子商務,(9),頁 23-24。
    王怡涵,2017,行動支付的近期發展與監管議題, 中央銀行出國報告書 。
    李雪靜,2013,國外 P2P 網路借貸平臺的監管及對我國的啟示, 金融理論與實踐,408,頁 102。
    阮綠茵,2006,訪談法,設 計研究方法台北市 :全華科技圖書 , 頁 119-140。
    吳曉光與曹一,2011,論加強 P2P 網路借貸平臺的監管, 金融監管 ,416 期,頁 32-35。
    吳嘉苓,2012,訪談法, 社會科學研究方法 ( 二 ) :質性研究法 ,台北: 東華,頁34-36。
    易觀諮詢,2017,人工智能理財市場專題分析。
    張竹萱,2017,理財機器人/機器人投顧, 我國金融科技之發展 — 從 國際觀點分析金融服務相關法規研究報告 ,頁 125-151。
    張恆與王芳,2016,我國 P2P 網貸的風險及其監管,財金研究,4,頁 73-75。
    張郁芝,2013,我國發展電子商務之現況與未來趨勢-以第三方支付為例,Economic Research,14,109。
    施建州與莫積懿,2017,P2P 融資, 我國金融科技之發展 — 從 國際觀點分析金融服務相關法規研究報告 ,頁 68-96。
    陳師群與張嘉琳,2016,各國行動支付發展趨勢及相關個案研究, 金融研究發展基金管理委員會金融研究報告 ,頁 30。
    梅驊,2016,全球 P2P 網路借貸現況與台灣發展趨勢探討,台灣科技大學碩士論文 。
    葛華勇,2016,我國移動支付發展的新階段, 中國金融 ,(6),頁 9-11。
    劉呪,2016,中國互聯網金融的發展問題研究, 吉林大學博士論文 。

    英文文獻
    Advisory HQ (2016) “Top5 Best Robo Advisors, Ranking.” 2016 Reviews.
    Citibank (2016) “Digital Subversion - How Financial Technology Forces Traditional Banks to Reach Critical Points.” Citi GPS : Global Perspectives & Solutions.
    KPMG (2017) “2017 Fintech 100.”
    KPCB (2017) “Internet trends report.” 2017 Code Conference.
    OECD (2006) “Online Payments for E-Commerce.” OECD Policy Roundtables.
    OECD (2016) “Business and Finance Outlook 2016.” OECD High Lights.
    WEF (2015) “The Future of Fintech A Paradigm Shift in Small Business Finance.” Global Agenda Council on the Future of Financing & Capital.

    網際網路
    Business Insider, 2017, July, 3, The evolution of ROBO-advising report: How
    automated investment products are disrupting and enhancing the wealth management industry, http://www.businessinsider.com/the-evolution-of-robo-advising-report
    2017-7
    eMarketer, 2017, Recently Published Reports, https://www.emarketer.com/Article/P2P-Payment-Transactions-Exceed-120-Billion-This-Year/1016187?ecid=NL1001
    Forrester Research, 2016, Forrester Data Mobile Payments Forecast, 2016 To 2021, https://www.forrester.com/report/Forrester+Data+Mobile+Payments+Forecast+2016+To+2
    021+US/-/E-RES135914
    KPMG, 2016, Striking a balance in robo-advisory, https://home.kpmg.com/xx/en/home/insights/2018/02/striking-a-balance-in-robo-advisory-fs.html
    Lend Academy, 2013, September 19, https://www.lendacademy.com/how-to-invest-500
    in-p2p-lending/
    Wealth Management, 2015, Five ways ‘robo-advice’ could change the UK’s investment
    advice market, http://www.wealthmanagement.com/technology/betterment-now
    biggest-independent-robo-3-billion-aum
    華創證券,2017 年 6 月 26 日,智能投顧深度:得場景者得天下,https://hk.saowen.com/a/8d540391ebd3d4ce28c8b6ccc6f9a857b2d94f556ab2c471babc3366
    acb49c9b
    富聯網,2015 年 3 月 10 日,何謂「P2P 網路借貸平台」,http://money-link.com.tw/RealtimeNews/NewsContent.aspx?sn=548&pu=News_0003
    數位時代,2016 年 4 月 21 日,在地雷區爬行的嬰兒:台灣 P2P 網路借貸,https://www.bnext.com.tw/article/39072/BN-2016-03-31-094916-143

    無法下載圖示 全文公開日期 2023/05/31 (校內網路)
    全文公開日期 本全文未授權公開 (校外網路)
    全文公開日期 本全文未授權公開 (國家圖書館:臺灣博碩士論文系統)
    QR CODE