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題名:以金融監理法的觀點探討銀行監理的評估指標與功能-以臺灣的銀行業監理為例
作者:蔡宏奕
作者(外文):TSAI,HUNG-I
校院名稱:中華大學
系所名稱:科技管理博士學位學程
指導教授:陳文欽
學位類別:博士
出版日期:2015
主題關鍵詞:評估標準銀行監理風險評估決策實驗室分析法Assessment CriteriaBanking SupervisionRisk AssessmentDEMATEL
原始連結:連回原系統網址new window
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繼金融自由化和國際化,金融創新活動已經成為流行,銀行業務上已經變得越來越複雜,並涉及金融體系的風險已經增加。為了有效地應對金融環境的快速變化,先進國家在全球金融體系都致力於推進金融改革。他們正在審查其金融監理體系和金融監管,提高金融監理的技術,並敦促銀行加強風險管理和公司治理,以改善其金融體系,增加金融競爭力。金融監理係指金融主管機關依相關法律執行監督與管理金融機構之權,而執行此權力主要目的,乃在健全銀行業務之經營,保障存款人權益,適應產業發展之需,確保金融公平交易,以維持安定之金融秩序。本研究透過文獻分析以找出適用的關鍵評價因素,運用決策實驗室分析法(DEMATEL)等研究方法彙集相關資深專家人士的意見,建構歸納出4個評價構面與13個要素評估架構,並評價要素之影響與被影響程度,以及審查標準之間的因果關係和相互影響。此法能夠有效地結合專家知識,以釐清各個變數之間之因果關聯,並依此推導各變數間直間接效果與關聯圖示意。最後,該方法不僅有助於目前的理論,也可以於實際運用作面採用。
本研究結果發現金融監理體制的變動與在金融市場上運作的金融機構息息相關。金融監理體制的建構並非僅是政府部門之組織設計,更應包括金融機構之自我監理。金融監理主要乃是為了因應金融服務專業化、複雜化所造成之監理成本上升。一方面可使監理符合市場彈性與服務專業,另一方面亦可將監理成本充分內部化,而不至於轉嫁給外部給消費者與納稅人。所以各主要國家紛紛加強金融業之自我監理,並鼓勵業者建立自律監理機制。因此在組織設置與加強金融監理體制的同時,亦應盡力協助金融機構提高自我風險監理能力,以完善自律組織的監理體制。
Following financial liberalization and internationalization, financial innovation activities have become prevalent, banking has grown increasingly complex, and the risk involved in the financial system has increased. To respond effectively to the rapid changes in the financial environment, the advanced countries in the global financial system have committed themselves to promoting financial reform. They are reviewing their financial supervisory systems and financial regulations, improving financial supervisory technology, and urging banks to strengthen their risk management and corporate governance to improve their financial systems and increase financial competitiveness. Financial supervision refers to the power of financial authorities to supervise and manage financial institutions in accordance with relevant laws. In this study, financial supervision law was used as a foundation to investigate the assessment criteria and functions of banking supervision. The new decision-making trial-and-evaluation laboratory(DEMATEL) model was used in this study to assess and explore assessment indicators for banking supervision and to examine the causal relationships and mutual influences among the criteria. Finally, methods for improving the functions and benefits of financial supervision were discussed. The method not only contributes to current theory, but can also be practically employed.
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胡秀媛(2008)。運用 Kano Model 與 DEMATEL 於贏得訂單條件的改善;以臺灣工業電腦製造業個案為例,博士論文,中華大學科技管理研究所。new window
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