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    题名: 銀行跨國經營之研究-以Y銀行為例
    Research of Transnational Operations: A Case Study of Y Bank
    作者: 薛凌
    贡献者: 季延平
    薛凌
    关键词: 跨國經營
    銀行業
    transnational management
    bank
    日期: 2016
    上传时间: 2016-08-22 17:23:32 (UTC+8)
    摘要: 近年，全球經濟成長趨緩，臺灣銀行業又因國內市場逐漸飽和呈現過度競爭造成主要獲利來源放款利差逐年下降。台灣總資產市占率前十大銀行中，僅臺灣銀行市占率超過10%，加上整併不易，導致同業削價競爭嚴重。故以增加獲利及擴大市場為目標，銀行業於海外進行投資及設立據點，並於拓展客源、產品銷售及市場開發等目標確立下，置身於世界市場。因此，本研究為了解銀行業跨國經營之成效及成功關鍵因素，分析臺灣本地銀行赴海外設立營運據點的過程，及國內銀行國際化的現況與各家銀行國際化情形。

    個案分析後發現，(一) 應根據規模及發展階段，選定跨國經營模式與策略。(二)地主國區位、人文地理、法律的差異，影響跨國經營模式與策略。(三)人才、技術及資本累積為共通性問題，影響跨國經營之競爭力。(四)建構當地互助網絡，降低營運風險。

    今日銀行業無法再像以往單調的經營模式，改以多元的營運方式、金融創新。因此，國際銀行的拓展規模與投入國外的腳步越來越快，面對科技進步的激烈環境，國內銀行要進入國際市場就必須採取正向而有效的投資決策。而政府也需持續落實金融科技與檢討金融開放相關法規，才能夠使臺灣銀行在未來有機會成為真正國際化的銀行。
    During these decades, the global economic has been performing slowing growth or even regression, and the financial market in Taiwan is gradually saturated, which caused over-banking competition. In consequence, the major source of profit in banking industry is decreasing due to the decline of loan interest rate year by year. On the other hand, among the top ten banks in the rating of total assets in Taiwan, only Bank of Taiwan’s market share is more than 10%, which represents that the problems of over-banking, difficulty of merging, and price competition; therefore, these small individual banks needs to set up strategies to increase profits and market shares. Currently, the quickest and easiest method for them to achieve is to invest and start to operate overseas, which will lead them into the international market to experience different types of customers, sale strategies, and methods of expanding new markets. Therefore, this research will focus on the efficiency to banks’ overseas management and the keys to success, and also analyze the process of setting up the operation and comparison among them.



    After brief analysis, this study has found:



    Multinational business model and management strategy should be considerate of the scale of the bank and its stage of development
    The differences of location, geography, and legislation of host country would affect multinational business model and management strategy
    Human resource, technology, and accumulating capital are the common issues affect the competition of multination management
    Local cooperation could reduce the risks of operation efficiently.


    Today’s business model of the banking industry won’t be as simple as it was in the past due to diversity managing methods, innovations of financial products, and the development of fintech. Also, other multinational banks have already plan to expand aggressively and intend to invest into the financial market in Taiwan. Facing the highly competitive multinational banks’ invading and rapid change of fintech, banking industry in Taiwan must respond such crisis positively and make the accurate and effective decisions on overseas investments. After all, our government also needs to continue instituting fintech and liberalizing correlative regulations, to promote the banking industry in Taiwan developing multinational in the future.
    "第一章、 研究緒論 7
    第一節、 研究背景 7
    第二節、 研究動機及目的 9
    第三節、 論文架構 10
    第二章、 文獻回顧 12
    第一節、 銀行跨國經營理論 12
    第二節、 銀行跨國經營模式 22
    第三節、 銀行跨國經營競爭力 37
    第四節、 跨國經營目標市場選擇策略 40
    第五節、 跨國銀行創新 43
    第六節、 策略管理 55
    第三章、 研究架構與方法 61
    第一節、 研究方法與資料收集 62
    第二節、 參與觀察法 62
    第三節、 人員訪談 62
    第四章、 個案分析 64
    第一節、 個案銀行發展與營運之說明 64
    第二節、 個案銀行跨國經營之說明 72
    第三節、 個案銀行跨國經營問題之分析 83
    第四節、 個案與案例跨國經營策略與模式之分析 89
    第五章、 結論與建議 96
    第一節、 結論 96
    第二節、 建議 97
    參考資料 103
    參考文獻: 一、 網站資料
    三位一體數位科技，http://www.eshare.com.tw/company/
    中央銀行全球資訊網，http://www.cbc.gov.tw/
    中時電子報，http://www.chinatimes.com/
    中華民國統計資訊網，http://www.stat.gov.tw/
    金融監督管理委員會銀行局，http://www.banking.gov.tw/
    信澤金智庫，http://www.xinzejin.com/
    柬埔寨中央銀行，http://www.nbc.org.kh/english/
    富邦金控，https://www.fubon.com/
    經濟日報，http://edn.udn.com/
    經濟部國貿局，http://www.trade.gov.tw/
    聯合新聞網，http://udn.com/
    The Banker，http://www.thebanker.com/
    The Economist，http://www.economistasia.com/‎
    二、 中文部分
    王儷容 （2013）， 經濟整合與台灣銀行業對外拓展經濟整合與台灣銀行業對外拓展，中華經濟研究院第二研所 。
    何幸芩（2010），台灣信用卡市場廠商競爭策略分析，國立台灣科技大學科技管理研究所碩士班碩士論文。
    吳錦添（2008），台資銀行對越南台商授信策略之研究，國立中山大學管理學院 高階經營碩士學程在職專班碩士論文。
    李樑堅、陳雅琳 (2009)，臺灣的銀行業進入中國大陸市場的發展策略與合作機制，臺灣銀行金融季刊，第60卷第3期。
    周琳 (2003)，跨國銀行競爭力的研究，湖南大學碩士學位論文。
    馬嘉應、馬裕豐、王嬪嫈 (1998)，台灣銀行業經營績效之評估，台灣經濟，第261期。
    謝耀龍（2011），金融行銷，台北：雙頁書廊有限公司。
    羅榮華、吳桂華 (1995)，銀行經營效率之比較與改進之研究，台灣銀行季刊，第46卷1期。
    古永嘉 (1996)，企業研究方法，華泰文化。
    鍾倫納（1993），應用社會科學研究法，臺北商務。
    三、 外文部分
    Abad, C., Thore S. A., & Laffarga J. (2004), Fundamental Analysis of Stocks by Two-Stage DEA. Managerial and Decision Economics, 25(5), 231-241.
    Bexley, J. B., Bond, P. & Maniam, B. (2012), The globalization of commercial bank, Research in Business and Economics Journal 5, 1-10.
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    描述: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    103932430
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0103932430
    数据类型: thesis
    显示于类别:[經營管理碩士學程EMBA] 學位論文

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