Page 11 - 銀行家雜誌第72期
P. 11

ĈᅀਠආБdҳ༟ږᕘߒ135                   ৌబ၍ଣഃ΢ධვБ؂ਕd̙                   ؂ਕ௴อࣛd͵ε˸ཥɿʷ
                     ᄂʩ̸̛f                            ீཀʔΝ߅Ҧண௪(ATM、電                  ؂ਕމীሞ˴ൿfGloberson
                       ᎇഹཥ໘߅Ҧʿஷৃၣ༩ٙ                   腦、電話、手機)ఱ̙ҁϓʹ                   and Maggard(1991)౤

                     ආӉd܄˒࿁ვБཥɿʷ؂ਕ                    ׸dೌ඲ፋᑗვБdʔස̙Դ                   ̈܄˒ІБҁϓʹ׸ٙᝈׂd
                     ٙცӋၾ˚ࡆᄣdԴ੻ვБጐ                    ࣖଟ౤৷d͵̙Դʹ׸ϓ͉ɨ                   ʿІп؂ਕʹ׸(self-service
                     ฽પਗږፄ؂ਕཥɿʷdᜫ܄                    ࠥf                              transactions, SST)dϾ߅Ҧ̙
                     ˒࿁੮˒؂ਕeڦ̔͜؂ਕe                      ਷ʫ̮ኪ٫ίઞীვБ߅Ҧ                  ౤ʺSSTٙࣖଟʿۜሯdνІ
                                                                                      ਗ౤ಛዚeཥ༑ვБeၣ༩ვ
                                                                                      Бഃf
                        €ڌ2ږፄʿڭᎈุ5ධ௴อҳ༟࢕ᅰၾږᕘ
                                                                                        Dabholkar(1994)ɰ౤

                                                                                      ̈Րዧอ߅Ҧʧɝ܄˒؂ਕd
                         2006ϋ
                                                                                      ̙ಯˇ܄˒ٙʹ׸ࣛගfHan,
                                                ᅀਠ࢕ᅰ        ږᕘ(新台幣百萬元)
                                                                                      Kim, and Srivastava(1998)
                          ޼Ӻ೯࢝                  114 (1.36%)   1,836.46 (3.80%)
                                                                                      ίઞীვБุٙ௴อݺਗࣛd
                          ਖ਼ุҦஔᒅ൯                133 (1.59%)     768.21 (1.59%)
                                                                                      ਗ਼ཥɿვБΐމҦஔ௴อٙፅ
                          ɛɢ༟๕৅ᇖ             3,072 (36.62%)   2,316.29 (4.79%)        ඎධͦf
                          ̹ఙБቖ               2,649 (31.57%) 29,935.93 (61.91%)          ਷ʫኪ٫໢๿ඤ(2002)e

                          ཥ໘ழ᜗ၾ༟ࣘࢫᒅ൯         7,543 (89.90%) 13,499.39 (27.92%)        ੵන઺( 2006) eᑽᅃ֚
                                                                                      (2007)ഃኪ٫͵ε˸ཥɿვ
                          Υࠇ                         8,390          48,356.27
                                                                                      БႭ׼ვБ߅Ҧ؂ਕ௴อfვ
                         2011ϋ                                                        БપਗཥɿვБٙ௴อ؂ਕd
                                                ᅀਠ࢕ᅰ        ږᕘ(新台幣百萬元)                ̙౤Զ܄˒24ʃࣛٙε၍༸

                          ޼Ӻ೯࢝                  195 (2.31%)   1,840.65 (3.34%)        ვБ؂ਕdމ܄˒੭Ըə˙ک
                          ਖ਼ุҦஔᒅ൯                 45 (0.54%)     452.67 (0.82%)        ׌f

                          ɛɢ༟๕৅ᇖ             2,780 (33.13%)   2,252.05 (4.08%)          Ш܄˒Դ͜ཥɿვБࣛึϞ
                                                                                      ஗Ꭱ܄᛿՟੮໮e੗ᇁdආϾ
                          ̹ఙБቖ               6,255 (74.55%) 36,921.77 (66.91%)
                                                                                      ஗ೳჯπಛʿࡈɛ༟ࣘٙࠬ
                          ཥ໘ழ᜗ၾ༟ࣘࢫᒅ൯         6,302 (75.11%) 13,718.15 (24.86%)
                                                                                      ᎈdה˸dვБމ̋੶ཥɿვ
                          Υࠇ                         8,390          55,485.27
                                                                                      БٙτΌዚՓdл͜อ߅ҦԸ
                                                                                      ҷഛࡒՈτΌʿε̌ঐٙཥɿ
                                                                                      ஬࿆ପۜd̋੶ཥɿვБٙτ
                                                                                      Ό׌f
                                                                                        ᐼʘdމəୌΥ܄˒ٙც
                          ༟ࣘԸ๕jБ݁৫˴ࠇஈ2006ϋe2011ϋʈਠ౷ݟ༟ࣘ
                                                                                      Ӌdʿ౤৷کл׌dᓒɽ̹ఙ





                                                                                                                     11
                                                                                                ̨ᝄვБ࢕2015.12˜໮







                  JOEE                                                                                                          ɪʹ
   6   7   8   9   10   11   12   13   14   15   16