| 摘要: | 金融業為高度資訊化產業，隨著行動通訊普及與大數據分析應用，逐步改變金融機構的服務模式，近年來人工智慧(Artificial Intelligence, AI)技術聚焦於金融產業並大幅應用發展。
銀行授信業務向來著重完善的審查程序及貸放控管機制，得藉由人工智慧技術作為一種提供授信評等的輔助工具，將搜集取得之企業資訊，進行數據分析、清理及轉換後，加載至授信評等系統與工作流程，做為協助決策者進行評判的參考。
本研究以資訊系統成功模式、期望確認理論及交易成本理論作為理論基礎，並以知識分享作為調節效果，透過問卷調查法為研究方法，再以結構方程模式(Structural Equation Modeling, SEM)進行統計分析。
研究範圍以台灣地區之銀行業為範疇，並以具有相關領域的在職人員為研究對象，進行隨機抽樣問卷，發放時間自2018年12月至2019年1月，回收有效問卷共192份。
研究結論推導出影響銀行業授信業務導入AI人工智慧評估模式之關鍵因素，為銀行授信業務提出創新思維建議與貢獻，研究成果概念亦可應用於金融相關業務。
The banking industry is an information intense industry. With the popularity of mobile communications and the application of big data analysis, the service model of financial institutions has been gradually changed. In recent years, artificial intelligence (AI) technology has its role and focus in the banking industry and has been widely applied.
Bank credit and lending business has always relied on a comprehensive human review process and loan control mechanism. Artificial intelligence (AI) technology can be used as an auxiliary tool in the credit and lending process. Information is collected, analyzed, filtered and then converted into the credit rating system and workflow as a reference to the decision makers.
The fundamental principle of this study is based on Information Systems Success Model, Expectation Confirmation Theory and Transaction Cost Theory, fine-tuned through knowledge exchange and sharing. The Questionnaire Survey method is used as the research method, and the Structural Equation Model (SEM) is used for statistical analysis.
The scope of the study is based on the banking industry in Taiwan, and a total number of 192 questionnaires were conducted and collected through random sampling of active personnel in related bank credit and lending fields from December 2018 to January 2019.
The research conclusion deduces the key factors affecting the introduction of Artificial Intelligence (AI) evaluation mode in the bank credit and leading process, and furthermore promotes innovative thinking and contribution. This research result and concept can also be applied to related financial business. |
