标题: | 台湾地区性金融机构之发展策略分析--以新竹商银为例 The Analysis Of Taiwan Local Financing Institution Strategy Development - An Example on Hsinchu International Bank |
作者: | 杨惠琇 Yang Hui-Hsiu 王淑芬 |
关键字: | 地区银行;Bank |
公开日期: | 2006 |
摘要: | 本论文研制之地区性金融机构发展策略因在国内金融环境快速变迁的高度冲击下,目前国内地方性的金融机构因为业务性质相似一直存在着过度竞争的状况,而且不良放款的逾放比即使在一次金改打消呆帐的情况下仍一直居高不下,加上目前因卡债高筑而产生的卡奴问题,及银行贩卖债权造成不当催讨的社会问题,使得国内地方性金融机构的发展方式受到严正的重视。加上今年来间接金融与直接金融消长,金控整并造成金融服务的量贩化,随着金融市场的开放与多样化,传统银行融资方式已渐渐被直接金融管道所取代,企业大多采行发行普通股、特别股、普通公司债、可转换公司债或存托凭证等方式,在国内或国外取得成本更低廉的资金,对于传统融资的依赖已逐渐降低。 各个地区性金融机构期望透过金融的整并改造,使金融的向度更加的多元化与国际化,并且以金融百货的业务方向朝向综合化全面化的金融服务发展,藉由金融商品创新及扩大服务范围,并且增加资讯方面投资来满足顾客的需求,以求得到更多的业务发展。 本研究对于整个金融环境及地区性金融机构的发展策略做分析,并以新竹国际商银为例,对其未来可能的策略联盟以及被并购对象之分析探讨,提供地区性金融机构未来发展方向的一些可参考的方向。 本研究发现不论地区性金融机构能否找到适当的并购金融公司,其发展的重点都在于自己本身经营体制的转型与经营绩效的提升,故应就资讯化的服务品质提升、优质化的体质建置、透过策略联盟做国际化的商品行销服务、发展具备差异化的高利润商品以及结合异业创造更多元化行销通路等方面多加努力,如此才能提高区域金融的身价,更有被大型金融公司选上并购的机会。 This thesis aims at studying the development and the strategies of the traditional banks in recent years. This thesis includes a survey on the changes in the financial environment in Taiwan. A local bank, HsinChu International bank, has also been recearched in regards to its recent transformation and the causes. Under the highly competitive environment, a lot of traditional banks have been trying to increase their markets. They are doing this by offering their customers cards in any possible conditions, releasing excess loans, or selling creditors’ right. These strategies have created a lot of social problems. Along with the increase of the direct finance and the decrease of the indirect finance this year, a lot of the traditional or domestic banks have been merged with bigger financial organizations. Businesses and enterprises have also become less dependent on the traditional banks for loans since these bigger financial organizations offer more ways and lower interest rates for business loans such as regular, special or company loans. These new financial organizations have also impressed people with their easier access to banking services and their diversified and open money market. Through the transformation by merging into a bigger financial organization, a lot of local or traditional banks expect to be more diversified or internationalized. They expect to provide diversified service to meet more people’s needs so that their markets can be expanded and multiplied. The result of this study shows that it is necessary for a traditional bank to be merged with a bigger financial organization in order to promote and improve its market. It is more important that a traditional bank focus on the improvement of their own system and management, i.e., building a sound business system, making use of man power and internet service. Then a Local bank would be the elect target. |
URI: | http://140.113.39.130/cdrfb3/record/nctu/#GT009472533 http://hdl.handle.net/11536/82603 |
显示于类别: | Thesis |