作者
周秀霞^* (致理技術學院財務金融系)
沈中華 (國立台灣大學財務金融學系)

Authors
Hsiu-Hsia Chou^* (Department of Finance, Chihlee Institute of Technology)
Chung-Hua Shen (Department of Finance, National Taiwan University)

中文摘要
本文目的在探討資訊科技、資訊分享與銀行授信規模之關係， 樣本包括 2005 年至 2008 年，全球 99 個國家。資訊科技攸關銀行顧客關係管理中，花費於資通訊器材與使用等之成本；資訊分享則影響銀行取得客戶資料，所花費之徵信相關成本。實證結果顯示， 資通訊科技進步，銀行跨國授信及對國內私部門授信規模增加，隱含資訊成本降低，有助於擴大信用市場規模；信用資訊分享功能對國內私部門授信的影響受衡量指標影響，對跨國授信則無顯著影響。

Abstract
This paper investigates the relationship between information technology, information sharing and bank lending in 99 countries from 2005 to 2008. Information technology-related costs contain the expenses from communication costs during customer relationship management activities. Credit information-related costs measure the costs for collecting borrowers' credit information. The empirical results show that advancements in technology improvement are positively correlated with larger foreign claims and domestic lending. This implies that a reduction of information costs results in an enlargement of credit markets' scale. However, the impacts from credit information sharing on domestic lending depend on the measures of information sharing. No significant relationship is found between information sharing and foreign claims.

中文關鍵字
資訊科技；資訊分享；信用報告機構；銀行授信；跨國債權

Keywords
Information Technology; Information Sharing; Credit Registry; Bank Lending; Foreign Claims