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    題名: 微型企業金融業務拓展策略之探討 : 以台灣地區C銀行為例
    其他題名: Exploring the micro-enterprise banking expansion strategy : a case study on C bank in Taiwan
    作者: 王仁佑;Wang, Ren-Yo
    貢獻者: 淡江大學國際企業學系碩士在職專班
    林志鴻;Lin, Jyh-Horng;賴錦璋;Lai, Chin-Chang
    關鍵詞: 微型企業;使命陳述;策略形成;Micro-enterprise;Mission Statement;Strategy formation
    日期: 2014
    上傳時間: 2015-05-04 09:46:01 (UTC+8)
    摘要: 台灣金融環境面臨了艱困挑戰,除了直接金融盛行以及銀行家數增加外,存放利差逐漸縮小,使得向來以利息收入為主要營收之國內銀行業者經營日益困難,過去傳統銀行授信偏重於中大型企業的整筆放款及以利息收入為主要營收來源,然而在此經濟不景氣下,傳統經營方式銀行獲利縮小,本研究主要動機即是在微利時代下,探討究竟適不適合從偏重於中大型企業的整筆放款,轉變成資訊較為不透明、不對稱,受限於企業規模的微型企業融資,透過由中小企業信用保證基金的保證運作下,排除中小企業申請融資時擔保品欠缺之障礙,拉高利差,增加利息收益。

    本文以C銀行為個案研究對象,採用Lin and Pao (2004)之理論架構,並以使命陳述來作為各項分析的基礎,討論企業內部的7S模式,以及競爭戰略分析的五力模型,並依據PESTEL架構探討總體環境,分析探討C銀行競爭策略的形成要素,最後再藉由推動特定的業務「拓展微型企業金融服務」下,擬定出最適的競爭策略,藉以了解C銀行是否適合執行此項業務並能夠完成企業使命。
    Taiwan''s financial environment is having a difficult challenge. In addition to the booming direct finance and more new banks to the already crowded market, the interest spread is gradually reduced. This is a challenge for the domestic banking industry which heavily relies on the interest income as the main revenue. In the past, local banks preferred to conduct business with large and medium enterprises. The main source of revenue for local banks is coming from those enterprises. Because of the changed economic climate, the traditional mode of operation can no longer guarantee a steady revenue for the local banks. This study tries to explore whether it is appropriate for local banks to invest more resources on financing micro enterprises instead of the lump sum loan from large and medium enterprises. To conduct business with the micro enterprises, who are disadvantaged by their size and hard to compete for information, the local banks have more control on this market. The local banks can utilize SME credit assurance to finance micro enterprises and remove the barriers from micro enterprises who lack the collateral. The local banks, on the other hand, will gain more revenue by a higher interest rate.

    The object of this study is C bank and Lin and Pao (2004) theoretical framework is the tool employed in this study. The framework uses mission statement as the foundation to analyze each interrelated factors, 7S model to analyze internal environment, Five Forces model to access external environment and PESTEL for overall environmental assessment. The results of these assessments will be the formulate to establish a competitive strategy, “expand financing service to micro enterprises”, for C Bank. By deploying this specific strategy, we can verify whether this strategy would benefit C bank and comply with its mission statement.
    顯示於類別:[國際企業學系暨研究所] 學位論文

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