金融科技發展對銀行財務績效的影響──分量迴歸應用

"我國金融業已經進入FinTechs 3.0階段，但於既有文獻中，尚未同時探討非金融機構與金融機構本身發展金融數位化對銀行財務績效影響，因此本文蒐集臺灣31家銀行之季資料，以普通最小平方法（Ordinary Least Squares, OLS）及分量迴歸法進行實證分析結果顯示：在其他條件不變下，金融科技公司進入金融市場，使銀行財務績效愈差，但若銀行同時強化發展自身金融數位化，則使銀行財務績效愈好；另外，當銀行面臨金融科技公司進入金融市場時，同時強化自身金融數位化，則績效好的銀行受到金融科技公司影響程度較大，達到顯著負相關，但也刺激銀行積極發展金融數位化，並使其獲利更好；最後，透過跨分量檢定得知，績效好及績效差之銀行在受到外來金融科技公司影響時，本身是否發展金融數位化，產生顯著差異。"

"The development of FinTechs in Taiwan has entered the FinTechs 3.0 stage. But in the existing literature, the impact of the development of financial digitization of non-financial insitutions and institutions on bank performance has not been discussed at the same time. Therefore, we collect the quarterly data of 31 banks in Taiwan, and uses the ordinary least square method and quantile regression to conduct empirical analysis. The empirical results show that the entry of financial technology firms will worsen the performance of banks (ROE and ROA), but if banks also strengthen their own financial digitalization, they will increase bank financial performance. In addition, when banks face financial technology firms entering the irnancial market and at the same time strengthen their own financial digitization, banks with good performance will be more affected by financial technology firms, reaching a significant negative correlation. But it also stimulates banks to actively develop financial digitization, the better they can make profits; Finally, through the Inter-quantile test, it is known that whether banks with good and poor performance are affected by the financial technology frims themselves develop financial digitization, which has produced a significant difference."