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    題名: 銀行創造力機制與知覺風險對銀行績效的影響
    其他題名: The impacts of creativity mechanism and perceived risk on banking performance in Taiwan
    作者: 邱漢文;Chiu, Han-wen
    貢獻者: 淡江大學全球華商經營管理數位學習碩士在職專班
    蕭峯雄;Shiau, Feng-shiong
    關鍵詞: 銀行績效;創造力機制;創新績效;知覺風險;組織績效;banking performance;creativity mechanism;creative performance;Risk Perception;Organizational Performance
    日期: 2009
    上傳時間: 2010-01-10 23:03:50 (UTC+8)
    摘要: 創新績效與組織績效是企業經營上最重要的課題,有良好的創新績效與組織績效,才能提升組織的競爭力與獲利能力,以維持企業永續經營與發展.然而有些創造力的展現同時包含了巨大風險,例如引起2008年金融海嘯的高槓桿金融衍生性產品,因此在追求創新的同時,「風險」亦是必要的考量因素,兩者之間的關係如何實値得深入探討.
    歸納來說本研究目的有六:
    一.探討金融組織的知覺風險,是否能提升其創新及組織績效.
    二.探討金融組織的創造力機制,是否能提升其創新及組織績效.
    三.探討金融組織不同的創造力機制與不同的知覺風險之搭配對創新及組織績效的影響.
    四.探討金融組織的創造力機制與知覺風險彼此之間的關係.
    五.提供金融組織人員作為提升自我創新能力的參考.
    六.根據研究發現,提供產官學界作一參考.
    本研究以第一商業銀行.華南商業銀行與兆豐商業銀行為研究對象,探討知覺風險.創造力機制及創新績效.組織績效等變項之間的關係,共計293份有效問卷,透過Spss統計軟體進行分析所得結果如下:
    一.知覺風險越高,創新績效與組織績效越高.二.創造力機制愈好.創新績效愈高.三.知覺風險對於創造力機制並無顯著之影響力.四.創新績效越好,組織績效越高.
    本研究依據上述的結論,針對政府.銀行經營者及各分行主管人員本身提出以下五點參考建議:一.強化知覺風險能力.二.積極培育分行主管創新能力.三.重視創新對於組織績效的影響.四.建立適合創新的組織環境.五.提升人員素質,減少冗員.
    關鍵字:銀行績效.創造力機制.創新績效.知覺風險.組織績效
    Creative performance and organizational performance are the most important topic in business operation. With sound creative performance and organizational performance, one can increase the competitiveness and profitability of an organization in order to maintain the sustainability and development of a business. Yet the manifestation of certain creativity also bespeaks enormous risk, a prime example is how the high-leverage derivatives had triggered the financial meltdown in 2008. With that, when pursuing innovation, “risk” is a necessary element to be taken into consideration, and how the two are correlated warrants a further in-depth exploration.
    In summation, the study encompasses six objectives:
    I.To examine whether the risk perception of financial organizations can excel its innovation and organizational performance?
    II.To examine whether the creativity mechanism of financial organizations serves to excel its innovation and organizational performance?
    III.To examine how varied creativity mechanism paired with varied risk perception among financial organizations impact their innovation and organizational performance?
    IV.To examine the correlation between creativity mechanism and risk perception among financial organizations.
    V.To offer a reference point to financial organizational personnel for enhancing their own creative capability.
    VI.To present the study findings as a useful reference to the industry, government and academic sectors.
    The study aims to examine the correlations among the variants of risk perception, creativity mechanism, creative performance, and organizational performance by focusing on First Bank, Hua Nan Bank and Mega International Commercial Bank as the study subjects, with a total of 293 valid questionnaires recalled, which are put through the SPSS14.0 statistical software for analysis to derive the study findings as follows.
    I.The higher the risk perception, the higher the creative performance and organizational performance are.
    II.The creativity mechanism and organizational performance.
    III.Risk perception does not bear ominous impact to the creativity mechanism.
    IV.The greater the creative performance, the higher the organizational performance would become.
    The study presents five referencing recommendations, based on the foresaid findings, to the government, bank operators and various branch supervisory personnel:
    I.To strengthen the risk perception capability.
    II.To actively culminate branch supervisor’s creative capability.
    III.To emphasize how creative impacts the organizational performance.
    IV.To instill an organizational environment conducive for harboring creativity.
    V.To enhance the personnel’s proficiency and cut down redundant personnel.
    顯示於類別:[全球華商經營管理數位學習碩士在職專班] 學位論文

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