| Summary: | 碩士 === 國立高雄第一科技大學 === 金融營運所 === 92 === In the recent years, overdue loans remained high position or even getting higher, which have caused the crisis of operation on certain bankers. Under such circumstance, subsequently to have taken reduction of credit on authority to their breach of banker within domestic banking field, to intensify the inquiry on credit and industry analysis, to learn the risk management mechanism on credit, to employ The Balance Scorecard etc. expect to release the pressure on overdue loans. In domestic parts, from the viewpoint of high-tech, internet and intelligent management, recognizing that banker shall cope with the dramatic change on the current banking environments, it is necessary for bankers to complete successful acquisition, innovation, transforming the intellectual capital of organization, for example, Canadian Empire commercial banker and Northern European Skandia finance & insurance company etc, the authority department have been found by them to handle with the management of promoting intellectual capital. In sum, it is getting the emphasis on study the key success factor forming intellectual capital in enterprising financial sector.
In view of above mentioned facts, this study is based on the viewpoint of intellectual capital, to systematically investigate the focus on key factor of banking enterprising finance. First stage, to review the relevant journals in relating to balance scoring card, intelligent capital, gathering the information of experience for promoting intelligent capital implemented by Canadian Empire commercial banker and Northern European Skandia finance & insurance company, and also visiting talk to demotic innovative enterprise, marketing enterprise, banker, accountant and academic in totaling 12 experts with Delphi of two stages, enabling to construct the framework of analysis on key successful factor of reasonable evaluation enterprise financial department；Second stage, to transforming the research framework to analysis structure on AHP on multi-decision strategy evaluation method and SJT, furthermore proceeding expert visiting talk method for questionnaire of both AHP and SJT over innovative enterprise, marketing, accountant and bankers with 20 persons respectively, to investigate their viewpoints of sixty senior experts, the result of study to be summarized as follows:
1. This study shall not accept all of four research assumptions :
2. For all examinees to the factor of reasonable evaluation banking financial departmental intelligent value, find result that the weight of human resource capital value with highest at 37.7%, organization capital value at 31.4%, customer relationship value at 30.9%.
3. The Banking industry is very concerned about human resource capital value with 58.83%; accountant is concerned about organization capital value with 47.52%; whereas innovative and marketing enterprise are very concerned about customer relationship value with 53.77%.
4. Finally, this study intend to propose research finding and concluding remarks over twelve evaluation micro-items derived from three macro intelligent capital items.
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