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Information technology and cost and profit efficiencies in commercial banks and insurance companies: A global comparison.

机译：商业银行和保险公司的信息技术以及成本和利润效率：全球比较。

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摘要

This research explores the significance and contribution of information technology (IT) and telecommunication investments (COM) to commercial banks and insurance companies all over the world. Because IT and COM have profoundly reshaped the landscape of international financial industries, it is particularly important to assess their contributions to financial institutions. This new technological development in the financial industry is also known as "e-finance" in the literature.; The impacts of IT and COM (e-finance technologies) on financial institutions vary from one country to another. The financial institutions in the developed countries are able to align new IT with financial management much better than their counterparts do in both newly developed and other developing countries. Therefore, the financial institutions in the developed countries may outperform their counterparts in the newly and other developing countries in terms of their operational performance as measured by cost and profit efficiencies and scope economies. No legacy systems but the most updated IT systems are usually applied in the newly developed countries; thus, the financial institutions in the newly developed countries may leapfrog over their counterparts in the developed countries. Moreover, the use of IT may spur the further integration of the international financial institutional markets across nations; and this intrigues me to test the international market integration hypothesis in the context of IT and COM.; The primary objective of this research is threefold. First, I investigate the impact of IT on the cost and profit efficiencies of the financial institutions under study. Second, I compare differences of the effect of IT on the financial institutions across a variety of countries. Finally, I test the international market's integration hypothesis, which indicates the relationship between financial markets' integration and globalization. A secondary objective is to explore the influences of other factors (e.g., scope economy, macroeconomic variables, etc.) on the cost and profit efficiencies of the financial institutions considered.; To achieve these goals, several novel methods are employed to explore how IT and COM improve the performance of commercial banks and insurance firms. I adopt the generalized stochastic frontier approach to measure the cost and profit efficiencies and scope economy for commercial banks in 51 countries and insurance firms in 24 countries. Moreover, a Tobit model is used to depict how IT and COM affect the cost and profit efficiencies of these two types of financial institutions. I further apply the multivariate analysis to test whether the international financial institutional markets are integrated.; There are four important findings addressed in this research. First, IT improves the cost and profit efficiencies of these two types of financial institutions uniformly across the developed and developing countries considered. Second, the impact of IT on the cost and profit efficiencies is more significant for commercial banks than that for insurance firms. Third, newly developed countries outperform developed countries in terms of the contribution of COM to cost and profit efficiencies. Therefore, the leapfrog phenomenon in e-finance may exist in terms of COM. Fourth, it is found that both international banking and insurance markets are not integrated. In conclusion, these findings provide several policy implications for the practitioners in commercial banks, insurance companies, IT vendors, governments, and international organizations.
机译：这项研究探索了信息技术（IT）和电信投资（COM）对全世界商业银行和保险公司的重要性和贡献。由于IT和COM已深刻地重塑了国际金融业的格局，因此评估它们对金融机构的贡献尤为重要。金融业的这种新技术发展在文献中也被称为“电子金融”。 IT和COM（电子金融技术）对金融机构的影响因国家而异。与新兴国家和其他发展中国家的金融机构相比，发达国家的金融机构能够更好地使新的IT与财务管理保持一致。因此，从成本和利润效率以及范围经济性的角度衡量，发达国家的金融机构的运营绩效可能会优于新兴国家和其他发展中国家的金融机构。在新兴国家中，通常不使用遗留系统，而是使用最新的IT系统。因此，新兴国家的金融机构可能会超越发达国家的金融机构。此外，IT的使用可能会促进各国之间国际金融机构市场的进一步整合；这激发了我在IT和COM的背景下检验国际市场整合的假设。这项研究的主要目标是三个方面。首先，我研究了IT对研究中的金融机构的成本和利润效率的影响。其次，我比较了IT对不同国家/地区金融机构的影响的差异。最后，我检验了国际市场的整合假设，该假设表明了金融市场的整合与全球化之间的关系。第二个目标是探讨其他因素（例如范围经济，宏观经济变量等）对所考虑的金融机构的成本和利润效率的影响。为了实现这些目标，采用了几种新颖的方法来探索IT和COM如何改善商业银行和保险公司的绩效。我采用广义随机前沿方法来度量51个国家/地区的商业银行和24个国家/地区的保险公司的成本和利润效率以及范围经济。此外，Tobit模型用于描述IT和COM如何影响这两种类型的金融机构的成本和利润效率。我进一步运用多元分析来检验国际金融机构市场是否一体化。本研究解决了四个重要发现。首先，IT在考虑的发达国家和发展中国家统一提高了这两类金融机构的成本和利润效率。其次，IT对成本和利润效率的影响对商业银行比对保险公司更为重要。第三，就COM对成本和利润效率的贡献而言，新发达国家的表现优于发达国家。因此，就COM而言，电子金融中的跨越式现象可能存在。第四，发现国际银行和保险市场都没有一体化。总之，这些发现为商业银行，保险公司，IT供应商，政府和国际组织的从业人员提供了一些政策含义。

著录项

  • 作者

    Lin, Hong-Jen.;

  • 作者单位

    State University of New York at Buffalo.;

  • 授予单位 State University of New York at Buffalo.;
  • 学科 Business Administration Management.; Business Administration Banking.
  • 学位 Ph.D.
  • 年度 2004
  • 页码 120 p.
  • 总页数 120
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 贸易经济;金融、银行;
  • 关键词

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