本研究搜集2012至2020年，我國41家上市櫃金融機構的資料為樣本，先分析樣本在金融科技專利的佈局，再探討專利數量與專利被引用數對金融機構績效的影響，以確認金融科技專利是否對金融業的績效至關重要。
研究結果顯示，我國金融科技在政府的推廣下開始蓬勃發展，但我國金融機構擁有的金融科技專利以G06Q-40主目為主，顯示出我國金融機構的金融科技專利領域較侷限。再觀察G06Q-20、G06Q-30、G06Q-40專利數與被引用數的金融機構排名，可發現多為金融控股公司，僅彰化銀行 (股票代號：2801)、臺企銀 (股票代號：2834) 為獨立銀行機構，顯示出金融科技專利多集中在少數金融控股公司，獨立保險機構、獨立證券及期貨機構則擁有較少金融科技專利與被引用數。
本研究再透過迴歸分析，使用ROA、ROE、Tobin’s Q作為金融機構績效的變數，並控制規模、獲利率、營業費用率、營收成長率對績效的影響，研究結果顯示，金融科技專利數量對ROA、ROE、Tobin’s Q都有顯著正向影響，而專利被引用數皆不顯著。故本研究主要貢獻在於將金融科技專利指標與金融機構績效連結，補足我國金融業在金融科技專利數量與被引用數與績效的關聯。研究結果表明，金融機構可以致力於投入金融科技創新的專利來提高績效。

The result shows that Taiwan's FinTech development began to flourish under the promotion of the government, but the research field is mainly in the G06Q-40 category, which is limited. And we found that most FinTech patent applicants are financial holding companies. It shows that Fintech patents are mostly concentrated in a few financial institutions, especially the financial holding companies, while independent insurance institutions, securities, and futures institutions only have fewer Fintech patents.
This study aims to explore the relationships between corporate performance and Fintech patent indicators measured from Fintech patent counts and citation counts in the financial industry. In our regression analysis, we used a sample of 41 Taiwan financial institutions from 2012 to 2020 and chose ROA, ROE, and Tobin’s Q as proxies for performance. The results demonstrate that FinTech patent counts have positive influences on financial institutions’ performance. However, we obtained no direct evidence of the influence between FinTech patent citation and financial institutions’ performance. Therefore, our findings suggest that financial institutions can improve their performance by spending more effort obtaining out FinTech patents.

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