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政大機構典藏 > 商學院 > 經營管理碩士學程EMBA > 學位論文 > Item 140.119/155889

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/155889

Title:	中小企業挑戰與銀行業務轉型：以資產傳承服務為核心 Challenges of SMEs and the Transformation of Banking Services：The Case of Assets Succession
Authors:	高士鈞 Kao, Shih-Chun
Contributors:	陳嬿如 Chen, Yenn-Ru 高士鈞 Kao, Shih-Chun
Keywords:	中小企業銀行轉型資產傳承創新業務模式價值共創 SMEs Bank transformation Asset succession Innovative business models Value co-creation
Date:	2025
Issue Date:	2025-03-03 13:36:09 (UTC+8)
Abstract:	企業是臺灣經濟發展的重要推動力，對銀行業績與穩定性具有深遠影響。然而，資金壓力、數位化挑戰及資產傳承困難等問題，限制了中小企業的成長，並對銀行傳統運營模式構成挑戰。本研究探討銀行如何透過業務轉型滿足中小企業的多樣化需求，並促進雙方的長期合作。本研究採用個案分析法，深入剖析S銀行在支持中小企業資產傳承中的創新服務模式。透過在財務規劃、股權移轉及稅務優化等領域提供全方位支持，銀行不僅成功解決了中小企業在資產傳承中的核心問題，還順利拓展了優質客戶基礎，深化了與中小企業的合作關係。同時，這些創新模式帶動了多元業務發展，進一步鞏固了市場競爭力。研究結果表明，創新業務模式是銀行應對市場變化的關鍵策略，不僅提升了服務效率與競爭優勢，還促進了中小企業的穩定成長與永續發展。本研究為銀行如何透過業務創新實現雙贏提供了實踐建議，並對未來探索全面轉型方向具有重要啟示。 Small and Medium Enterprises (SMEs) are a critical driving force behind Taiwan's economic development, significantly impacting the performance and stability of the banking sector. However, issues such as financial pressure, digitalization challenges, and difficulties in asset succession have constrained SME growth and posed challenges to traditional banking operations. This study explores how banks can achieve business transformation to meet the diverse needs of SMEs and foster long-term partnerships. Using a case study approach, this research delves into the innovative service models employed by S Bank in supporting SME asset succession. By providing comprehensive support in areas such as financial planning, equity transfer, and tax optimization, the bank not only successfully addressed SMEs' core challenges in asset succession but also effectively expanded its base of high-quality clients, deepening cooperative relationships with SMEs. These innovative models have further driven diversified business development, strengthening the bank's market competitiveness. The findings indicate that innovative business models are key strategies for banks to adapt to market changes. These models not only enhance service efficiency and competitive advantages but also promote the stable growth and sustainable development of SMEs. This study offers practical recommendations for how banks can achieve mutual benefits through business innovation and provides significant insights for future exploration of comprehensive transformation directions.
Reference:	1.PWC(2023)，2022臺灣中小企業轉型現況及需求調查。 2.經濟部中小企業處(2022)，2022年中小企業白皮書。 3.經濟部中小企業處(2023)，2023年中小企業白皮書。 4.經濟部中小企業處(2024)，2024年中小企業白皮書。 5.聞美晴(2023)，中小企業授信態樣長期趨勢分析，金融聯合徵信雜誌第43期，36-46。 6.KPMG(2023)，2023年台灣銀行業報告。 7.康廷嶽、蘇信瑋(2018，4月1日)，我國中小企業傳承難題與因應對策，台灣經濟研究院。 8.王嘉緯(2023，4月24日)，台灣中小家族企業的永續傳承，工商時報。 9.王嘉緯(2023)，家族信託協助企業傳承與永續經營之策略探討，財團法人台灣金融研訓院自提研究計畫。 10.中央銀行(2024)，金融穩定報告，中華民國金融穩定報告第18期。 11.潘家涓(2020)，To be or not to be -談台灣家族企業的財富傳承與創造，勤業眾信通訊2020年4月號，33-34。 13.李世珍(2020)，後疫時代中小企業數位轉型之契機，國土及公共治理季刊第八卷第四期，54-63。 14.張建一(2024)，新國際政經變局下臺灣經濟及產業課題研析(計畫編號：(113)005.0202)，國家發展委員會。參考網站 1. 國家發展委員會 https://www.ndc.gov.tw/Content_List.aspx?n=507E4787819DDCE6 2. 行政院主計處 https://www.dgbas.gov.tw/News.aspx?n=1865&sms=10794 3. 金融監督管理委員會銀行局 https://www.banking.gov.tw/ch/home.jsp?id=595&parentpath=0,590&mcustomize=bs tatistics_view.jsp&serno=201105120014https://survey.banking.gov.tw/statis/webMain .aspx?sys=100&funid=r100 4. 政府資料開放帄台 https://data.gov.tw/datasets/search?p=3&size=10&s=_score_desc&rft=%E6%89%8B %E7%BA%8C%E8%B2%BB&rat=507 5. 經濟部-經濟統計資訊分析系統 https://dmz26.moea.gov.tw/GA/common/Common.aspx 6. 財團法人金融聯合聯徵中心 https://www.jcic.org.tw/main_ch/download_page.aspx?uid=213&pid=213 7. 金融監督管理委員會銀行局-統計資料庫動態查詢系統 https://survey.banking.gov.tw/statis/webMain.aspx?sys=100&funid=defqry 8. 104 職場力：日本家族企業白皮書：家族企業如何面對變局、突破重圍 https://blog.104.com.tw/secrets-of-success-in-long-lasting-family-firms/
Description:	碩士國立政治大學經營管理碩士學程(EMBA) 111932140
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0111932140
Data Type:	thesis
Appears in Collections:	[經營管理碩士學程EMBA] 學位論文

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