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| Title: | 應對國家風險：印尼與台灣銀行策略之比較研究
Navigating Country Risk: A Comparative Study of Banking Strategies in Indonesia and Taiwan |
| Authors: | 林約翰
Irawan, Dicky |
| Contributors: | 吳文傑
Jack Wu
林約翰
Dicky Irawan |
| Keywords: | 國家風險
銀行策略
金融機構
印尼
台灣
Country Risk
Banking Strategies
Financial Institutions
Indonesia
Taiwan |
| Date: | 2025 |
| Issue Date: | 2025-07-01 14:59:58 (UTC+8) |
| Abstract: | 國家風險是影響銀行策略的決定性因素，尤其對於跨境營運的銀行而言。本研究比較了台灣和印尼這兩個經濟狀況和監管環境截然不同的國家的銀行如何應對主權風險和金融機構風險。本研究採用比較案例研究的方法，分析了兩個市場的六家主要商業銀行，以了解國家風險如何影響貸款、風險管理和產品創新等領域的策略決策。基於二手數據，研究結果表明，台灣銀行傾向於優先考慮穩定性、ESG合規性和漸進式擴張，而印尼銀行則採用更具適應性、包容性和數位化重點的策略來管理系統性波動。本研究為進軍印尼的台灣銀行提供了實務指導，並有助於更廣泛地探討新興市場的銀行策略。
Country risk is a defining factor in shaping banking strategies, especially for institutions operating across borders. This study compares how banks in Taiwan and Indonesia—two countries with distinct economic profiles and regulatory environments—navigate sovereign and financial institutional risks. Using a comparative case study approach, it analyzes six major commercial banks from both markets to understand how country risk influences strategic decision-making in areas such as lending, risk governance, and product innovation. Drawing on secondary data, the findings reveal that Taiwanese banks tend to prioritize stability, ESG compliance, and gradual expansion, while Indonesian banks adopt more adaptive, inclusive, and digitally focused strategies to manage systemic volatility. This research offers practical guidance for Taiwanese banks expanding into Indonesia and contributes to the broader discourse on banking strategy in emerging markets. |
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| Description: | 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
112933033 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0112933033 |
| Data Type: | thesis |
| Appears in Collections: | [國際經營管理英語碩士學程IMBA] 學位論文
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