Key Ability of Bank Personnel in Credit Department with Importing Fintech -A Case of F Company

• Main Authors: Ming-Chao Weng, 翁明超
• Other Authors: Yu-Jing Qiu
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/w4ev8d

碩士 === 中原大學 === 企業管理研究所 === 106 === Enable the credit personnel to meet the key functions, so as the waves of Fintech. Then, the credit personnel would not be suffering a huge brain drain, also conduct to the credit personnel to establish a clear and consistent occupational competency standard. Finally, accomplish the ultimate goal of talent cultivation and development. After Fintech implements to the bank loan business system, it has a significant impact on the credit personnel. For this reason, the key point is the bank lending personnel''s developing and training. Along with the transforming type of customer, the credit personnel must have higher key functions. Hence, the purpose of this research is trying to figure out the key competencies of the credit personnel before Fintech implement into the bank. When the bank faces Fintech, the credit personnel should have and improve their key capability? What are those criteria of the key capability, and explore the relevance of each criterion? Summarize the required capability of the credit personnel by the literature review. Then, establish the prototype of the research by interviewing experts, and use Delphi Method to converge and confirm the structure of the research, a total of 14 criteria. Finally, the Decision Making Trial and Evaluation Laboratory-based Analytic Network Process (DANP) is used to identify the weighting of each criterion. The result of this research shows that the key criteria are "Business Capability". The management implication of this research is that enterprises should consider how to improve their credit personnel. Also, improve their business learning ability by using both internal and external resources to attract others attention. Moreover, accumulate the experience; improve the business effectiveness to reach the Fintech talents'' demand of the market via the practical operation. The expansion of business capability can increase the practical experience. Continue with the business capability, bring out the strength of practical experience. Under this circulation, the continuous progress of the credit personnel can help the enterprises to reach sustainable management.