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頁籤選單縮合
| 題 名 | 探討國家金融科技生態系下中小企業效率之影響=Exploring the Influence of National FinTech Ecosystem on Efficiency of Small and Medium-Sized Enterprises |
|---|---|
| 作 者 | 張瑋倫; 陳立民; 蘇芳儀; | 書刊名 | 管理與系統 |
| 卷 期 | 32:1 2025.01[民114.01] |
| 頁 次 | 頁59-84 |
| 分類號 | 494.01 |
| 關鍵詞 | 金融科技生態; 中小企業效率; 破壞性創新; 金融機構發展; 金融科技; FinTech ecosystem; SME efficiency; Disruptive innovation; Financial institution development; FinTech; |
| 語 文 | 中文(Chinese) |
| DOI | 10.29416/JMS.202501_32(1).0003 |
| 中文摘要 | 中小企業為全球重要經濟支柱,因此其生存與發展至關重要,而金融科技的出現減緩 以往中小企業面臨的融資障礙,但同時也對原先的金融業帶來破壞性創新。本研究利用 Lee and Shin (2018) 所提出之金融科技生態系架構,以金融科技新創公司、金融機構以及中小企 業為金融顧客為主,探討在金融科技生態系下中小企業效率的影響,使用兩階段系統性一般 動差法對 2012 至 2019 年的歐洲 28 個國家之 577 家中小企業進行實證分析,結果顯示金融科 技有利於中小企業提升效率。本研究更進一步發現在金融機構網絡密度小,較無法取得金融 服務以及金融機構較為脆弱的地區,皆能透過金融科技提升其效率;此外,本研究發現金融 機構為破壞性創新的金融科技生態系重要一員,因此在高金融機構深度下,金融科技能夠提 升顧客所重視層面之表現:提升中小企業的效率。最後,根據估計結果,給予國家在相關政策 上的建議。 |
| 英文摘要 | Small and medium-sized enterprises (SMEs) constitute a vital foundation of the global economy, and their growth and resilience are of paramount importance. The advent of Financial Technology (FinTech) has substantially lowered financial barriers while simultaneously ushering in disruptive innovations in the traditional financial sector. Utilizing the FinTech ecosystem framework introduced by Lee and Shin in 2018, this study investigates the impact of the FinTech ecosystem on SME efficiency by examining the roles of FinTech startups, financial institutions, and SMEs. To conduct this analysis, we employed the two-step System Generalized Method of Moments methodology and scrutinized data from 577 SMEs across 28 European countries spanning the years from 2012 to 2019. Our findings underscore the positive influence of FinTech on enhancing SME efficiency. Furthermore, our research reveals that SMEs operating in regions with sparse financial institution networks, limited access to financial services, and more fragile financial landscapes can harness FinTech solutions to bolster their efficiency. Notably, our study emphasizes the pivotal role of financial institutions within the FinTech disruptive innovation ecosystem. FinTechs are shown to amplify their performance, particularly in regions with robust financial institution networks, a factor highly valued by customers, and this, in turn, enhances SME efficiency. Finally, our research culminates in providing policy recommendations for countries based on these insightful findings, aiming to facilitate and optimize the symbiotic relationship between FinTech, financial institutions, and SMEs. |
本系統中英文摘要資訊取自各篇刊載內容。