透過您的圖書館登入
IP:3.145.186.173
  • 學位論文

台灣地區大型商業銀行經營企業授信業務之探討--以C銀行為例

A Discussion on Credit Business of Large-Scale Commerical Bank Enterprises in Taiwan-A Case Study on Bank C

指導教授 : 林志鴻 賴錦璋

摘要


近十年來製造業外移,客戶流失,以台灣市場為發展重心的國內金融機構,受到市場規模不足因素影響,侷限在有限的市場內殺價競爭,利差越來越小,利潤越來越薄弱。本研究以台灣地區銀行業企業金融放款現況,探討台灣地區銀行應如何因應環境之變化,發展其競爭策略,並檢視承做該業務是否能達成其企業使命。 本研究以C銀行為個案研究對象,以Lin and Pao(2004)之理論架構,探討個案公司在企業授信業務之優勢策略與形成要素,以及如何執行進而達成其企業使命。透過檢視C銀行內外部環境各種資源及限制後,本研究認為C銀行擁有優質品牌形象,運用「爭取新戶深耕舊戶」之策略,並發揮內部環境具有「專業企業金融團隊」之優勢,掌握產業環境中「擁有廣大企金客群」之優勢及總體環境「配合政策拓展業務」之優勢,執行「擴大企金放款規模」,可達到C銀行追求「企金放款市占率第一之銀行」之使命目標,因而建議C銀行是適合執行「擴大企金放款規模」。

並列摘要


In recent ten years, due to the offshore migrations of manufacturers, the development of financial institutions focusing on the market of Taiwan has been affected by insufficient market scope and price-cutting competition in the limited market, the interest spread is smaller and the profit is less than before. The study takes the current situation of enterprise financial lending business of banks in Taiwan as the example to discuss how they face the change of circumstance to develop their competitive strategy and to check whether their undertaking business can achieve the mission for enterprises. The research takes Bank C as the case study, to take theory frame analysis of Lin and Pao (2004) to discuss the dominant strategy of enterprise financial lending business of Bank C and how they execute and to further achieve the mission for enterprises .Through checking the various resources and limits of internal and external environment of Bank C, the research thinks if Bank C has well-qualified brand image, uses the strategies of “striving for new client and maintaining the good relationship with old clients”, develops the advantage of “well-qualified enterprise financial team” in the internal environment and controls the advantage of “having wide-range of enterprises clients in the industry environment” and the advantage of “coordination with strategy development” in overall environment to execute “the scale of enterprises financial lending”, they can achieve the mission target of “getting the first place in the market share” ; Thus proposed that Bank C is suitable to execute “ the enlargement of enterprise financial lending scale.

參考文獻


陳庭杰 (2009),「台灣金融機構對民營企業授信之總體經濟因素分析」,中原大學國際貿易研究所碩士論文。
許榮和 (2008),「銀行企業金融戶顧客滿意度之研究」,中原大學企業管理研究所碩士論文。
謝慶林 (2007),「企業金融放款、消費金融放款與總體經濟因素—台灣實證研究」,臺灣大學經濟學研究所碩士論文。
林雪嬌 (2006),「金控體制下,銀行企業金融業務經營策略之研究-以TF銀行為例」,元智大學管理研究所碩士論文。
林志仁 (2011),「關鍵客戶之關係行銷策略研究─以商業銀行為例」,台北科技大學管理學院經營管理EMBA碩士論文。

被引用紀錄


鄭秀芳(2015)。經營個人房貸授信業務對銀行利潤影響之研究-以C銀行為例〔碩士論文,淡江大學〕。華藝線上圖書館。https://doi.org/10.6846/TKU.2015.00472

延伸閱讀