| Summary: | 碩士 === 淡江大學 === 國際貿易學系國際企業學碩士班 === 93 === ATM provides a lot of convenience to people and it has become one of the provisions that cannot be short of in the lives of the general public. To bankers, it is a very important information technology equipment, service station of the financial business and marketing channel. To bankers, the number of transactions thus generated represents a profitable income and has its important operation meaning.
The object of this research is the ATM transaction volume in Taiwan. After an exploration is conducted on the broad industry and references, seven effect variables are selected including the number of ATM, the circulating number of cash card, demand deposit and demand saving deposit amount, number of financial branch institution, population over 15 years old, stock market transaction value and unemployment rate etc. And the two models are classified into banking industry and macroeconomic environment two categories. Furthermore, the SARS period and the month of the Chinese New Year Holiday are assumed as two virtual variables of this research. The research period is 120 months information from October 1994 to September 2004 and based on this an exploration is conducted on the effect factor of the ATM transaction volume of Taiwan banking institutions.
After the empirical study, there are the following findings:
1.The number of ATM is an important factor affecting the ATM transaction volume. The month of the Chinese New Year Holiday also has significant effect on the ATM transaction volume. In addition, the number of financial branch institutions in the banking industry model and the unemployment rate in the macroeconomic environment model are the two major factors that will affect the transaction volume of ATM.
2.Both the banking industry and the macroeconomic environment will have direct and mutual effect on the ATM transaction volume. Moreover, the additional establishment of ATM will be more effective on the enhancement of the transaction volume than adding branch institution. Furthermore, for the utilization factor of cash card and the utilization factor of the general public, there is a difference on the effect received by these two factors.
3.The banking industry model can be a reference econometric model for subsequent analysis on the number of ATM in Taiwan, the ATM quantity in Taiwan will be saturated soon in the near future and it is expected that the average transaction volume of ATM may become less and less.
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