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Title:	台灣銀行業海外授信業務關鍵成功因素之研究--以P銀行之個案研究為例 Research on key success facrors of overseas credit--case study by p bank.
Authors:	王威舜 Wang, Wei-Shun
Contributors:	彭金隆王威舜 Wang, Wei-Shun
Keywords:	海外授信關鍵成功因素 overseas credit key success factors
Date:	2019
Issue Date:	2019-07-01 10:52:53 (UTC+8)
Abstract:	摘要授信業務是我國商業銀行最傳統、最基本卻也是最重要的業務之一，授信業務因時空環境的變遷也會呈現出不同的樣態，隨著國際化的浪潮的衝擊，本土產業外移所造成的業務缺口，我國銀行業也面臨了關鍵的挑戰，必須尋找另一個具體可行的成長曲線來補足缺口。海外授信業務便是在這樣的環境下承接了國銀盈餘成長的重要一棒，且在近幾年已逐漸成為國銀重要收益來源之一。銀行業不同於一般的製造業需要大面積的土地與廠房，銀行業更需要的是政策的妥善長遠規劃與風險的監理，就能促進銀行業創造業績。因此在土地面積不大、天然資源較為缺乏的國家，透過金融的拓展，亦能在國際金融市場爭得一席之地。台灣銀行業如何在層層侷限中，避開本土市場的價格廝殺，尋求國際市場的藍海，更是考驗銀行經營階層的遠見與智慧。本研究係以國內承做海外授信較多的p銀行之實際個案作為研究基礎，經歸納分析後發現，承做海外授信的關鍵成功因素有下列幾項: 一、企圖心二、銀行對風險的承擔能力三、銀行的品牌力四、合作平台的建立五、企業本身的具體條件六、政策的引導另外，針對海外授信業務，本研究建議: 一、政策有效的開放，加大國際合作之力度，透過政策之引導，建立銀行間的合作平台。二、風險控管的落實，以國際標準為目標，提升本國銀行對風險承擔的能力。三、國際人才的培養與交流四、在銀行傳統的基礎上，溶入科技技術並創新研發，更有效率的尋找利基市場及開發業務。 Abstract Credit business is one of the most traditional and basic business of Taiwan`s commercial banks. The credit business also have different appearances due to changes in time and space. With the impact of the international wave and the gap caused by the shift of local industries, the banking industry is also facing key challenges. It is necessary to find a specific business to make up the gap. Overseas credit has become an important key business of revenue for banks in recent years. The banking industry is different from the general manufacturing industry in that it requires large areas of land and plants. The banking industry needs policy planning and risk management to create performance. Therefore, in countries where land resources are scarce, through financial expansion, they can also have a place in the international arena. How the banking industry avoids price competition and seeks the advantages of the international market will test the wisdom of the operators. This study summarizes and analyzes the key success factors of overseas credit as follows: 1.Intentions. 2. Bank`s ability to take risks. 3. Bank brand power. 4. Establishment of a cooperation platform. 5. Policy guidance. The study also recommends the following: 1. The policy continues to open, strengthen international cooperation, and establish a platform for cooperation among banks through policy guidance. 2. The implementation of risk control, with the goal of international standards, to enhance the bank`s ability to take risks. 3. International human resources training and exchange. 4. In the traditional basic business of the bank, join technology and innovation, and find a niche market and develop business more efficiently.
Reference:	參考文獻一、中文文獻 1.于卓民(2014)，國際企業環境與管理，台北:華泰文化事業股份有限公司，四版。 2.司徒達賢(2017)，策略管理新論-策略架構與分析方法，台北:智勝文化事業有限公司，三版。 3.沈中華、王儷容(2014)，台灣銀行業走向全球關鍵-與星澳之比較分析，台北:財團法人台灣金融研訓院，初版。 4.吳思華(1988)，產業政策與企業策略，台北:中華經濟企業研究所。 5.黃博怡、盧陽正、林淑惠、林士傑、賴威仁、盧淑惠、董佩珊、吳佩珊及吳靜宜(2017)，《我國金融業在新興亞州地區經營策略與風險管理》研究報告，委託單位:金融監督管理委員會106年度委託研究計劃。 6.黃偉睿(2016)，銀行之國際化發展與整體經營績效之關係，碩士論文，國立中央大學財務金融學系。 7.台灣金融研訓院(2018年)，銀行授信實務，台北:台灣金融研訓院。二、英文文獻 1.Commons, J. R. (1934). Institutional economics: Its place in political economy. New York: Madison University of Wisconsin Press. 2.Daniel, D. R. (1961). Management information crisis. Harvard Business Review, 39(5), 111−121. 3.Johanson, J. & Widersheim-Paul(1975),”The internationalization of the firm:Four swedish cases”, Journal of management studies,vol 12,305-322. 4.Leidecker, J. K., & Bruno, A. V. (1984).Identifying and using critical success factors.Long Range Planning.17(1).23-32. 5.Piercy, N.,(1981),”Company Internationalization:Active And Reactive Export “,European Journal of Marketing, 15(3).26-40 6.Vernon,R.(1966),”International Investment and International Trade in the Product Cycle,”Quarterly Journal of Economics. P.J. Buckley, P. Ghauri (Eds.), The Internationalization of the Firm, 80, Academic Press, Londres (1966) 7.Rockart, J. F. (1979). Chief executives define their own data needs. Harvard Business Review, 57(2). 81−93. 8.Tillett, B. B. (1989). Authority control in the online environment. New York: Haworth Press. 三、網站資料 1.行政院金融金融監督管理委員會,上網瀏覽日期2018年8月15日, 擷取自:http://www.fscey.gov.tw 2.中央銀行,上網瀏覽日期2018年9月15日,擷取自:http://www.cbc.gov.tw 3.台經院產經資料庫,上網瀏覽日期2018年9月15日,擷取自:http://tie.tier.org.tw 4.香港金融管理局(HONG KONG MONETARY AUTHORITY),上網瀏覽日期2018年10月5日,擷取自:www.hkma.gov.hk/gb_chi 5.新加坡金融管理局(Monetary Authority Of Singapore),上網瀏覽日期2018年10月9日,擷取自:www.mas.gov.sq 6.智庫百科網站,上網瀏覽日期2018年6月10日，擷取自:https://wiki.mbalib.com/zh-tw/
Description:	碩士國立政治大學經營管理碩士學程(EMBA) 105932163
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0105932163
Data Type:	thesis
DOI:	10.6814/THE.NCCU.EMBA.082.2019.F08
Appears in Collections:	[Executive Master of Business Administration] Theses

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