Page 11 - 銀行家雜誌第72期
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ĈᅀਠආБdҳ༟ږᕘߒ135 ৌబ၍ଣഃධვБਕd̙ ਕ௴อࣛd͵ε˸ཥɿʷ
ᄂʩ̸̛f ீཀʔΝ߅Ҧண௪(ATM、電 ਕމীሞ˴ൿfGloberson
ᎇഹཥ໘߅Ҧʿஷৃၣ༩ٙ 腦、電話、手機)ఱ̙ҁϓʹ and Maggard(1991)
ආӉd܄˒࿁ვБཥɿʷਕ dೌፋᑗვБdʔස̙Դ ̈܄˒ІБҁϓʹٙᝈׂd
ٙცӋၾ˚ࡆᄣdԴვБጐ ࣖଟ৷d͵̙Դʹϓ͉ɨ ʿІпਕʹ(self-service
પਗږፄਕཥɿʷdᜫ܄ ࠥf transactions, SST)dϾ߅Ҧ̙
˒࿁੮˒ਕeڦ̔͜ਕe ʫ̮ኪ٫ίઞীვБ߅Ҧ ʺSSTٙࣖଟʿۜሯdνІ
ਗಛዚeཥ༑ვБeၣ༩ვ
Бഃf
ڌ2ږፄʿڭᎈุ5ධ௴อҳ༟ᅰၾږᕘ
Dabholkar(1994)ɰ
̈Րዧอ߅Ҧʧɝ܄˒ਕd
2006ϋ
̙ಯˇ܄˒ٙʹࣛගfHan,
ᅀਠᅰ 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༟๕ᇖ 3,072 (36.62%) 2,316.29 (4.79%) ඎධͦf
̹ఙБቖ 2,649 (31.57%) 29,935.93 (61.91%) ʫኪ٫ඤ(2002)e
ཥ໘ழၾ༟ࣘࢫᒅ൯ 7,543 (89.90%) 13,499.39 (27.92%) ੵන( 2006) eᑽᅃ֚
(2007)ഃኪ٫͵ε˸ཥɿვ
Υࠇ 8,390 48,356.27
БႭვБ߅Ҧਕ௴อfვ
2011ϋ БપਗཥɿვБٙ௴อਕd
ᅀਠᅰ ږᕘ(新台幣百萬元) ̙Զ܄˒24ʃࣛٙε၍༸
Ӻ೯࢝ 195 (2.31%) 1,840.65 (3.34%) ვБਕdމ܄˒੭Ըə˙ک
ਖ਼ุҦஔᒅ൯ 45 (0.54%) 452.67 (0.82%) f
ɛɢ༟๕ᇖ 2,780 (33.13%) 2,252.05 (4.08%) Ш܄˒Դ͜ཥɿვБࣛึϞ
Ꭱ܄՟੮eᇁdආϾ
̹ఙБቖ 6,255 (74.55%) 36,921.77 (66.91%)
ೳჯπಛʿࡈɛ༟ࣘٙࠬ
ཥ໘ழၾ༟ࣘࢫᒅ൯ 6,302 (75.11%) 13,718.15 (24.86%)
ᎈdה˸dვБމ̋੶ཥɿვ
Υࠇ 8,390 55,485.27
БٙτΌዚՓdл͜อ߅ҦԸ
ҷഛࡒՈτΌʿε̌ঐٙཥɿ
࿆ପۜd̋੶ཥɿვБٙτ
Όf
ᐼʘdމəୌΥ܄˒ٙც
༟ࣘԸ๕jБ݁৫˴ࠇஈ2006ϋe2011ϋʈਠ౷ݟ༟ࣘ
Ӌdʿ৷کлdᓒɽ̹ఙ
11
̨ᝄვБ2015.12˜
JOEE ɪʹ

