其次，藉由現階段唯一台資企業成功利用第三地進入大陸市場─華一銀行之優異營運表現，來探討台灣銀行業為規避政策限制透過第三地投資或策略聯盟的模式進入中國大陸市場，透過第三地投資中以富邦金控為研究對象，策略聯盟中以中港台三地上海銀行、建華銀行、中國信託銀行為研究對象，為其經營策略進行深入分析。 本研究期能作一系統性及全面性的分析，以俾使國內銀行業在面對全球競爭的衝擊與所處政經環境的變動下，能掌握更多規劃模式與思考，除了探討台資銀行在中國大陸經營之策略分析外，也期待兩岸經濟能有一新互惠政策，考量在中國大陸之台灣企業日益壯大，期盼本研究能對我國銀行業有所助益。 Abstract: This thesis analyzes the development current of Chinese bank industry and the role of foreign banks play in China，in order to understand Taiwanese companies how to operate bank business or to make development strategies. After joining WTO，Chinese financial market must open. Chinese banks and foreign banks compete and cooperate at the same time. For national Chinese commercial banks，they have advantages of owning 98% market share，many branches which broadcast and client resources richly. But their service concept and products lag foreign banks. For foreign banks，they will get rid of a lots barriers in 2006，but their market share is still too low. The only existence way for foreign banks is to cooperate with Chinese banks. According to government data，the investment amount of Taiwan has lived up to 280 billion dollars. It stands to reason that Taiwanese banks need to move with clients. Due to badly political factors，Taiwanese companies operate bank business in China is more difficult than international foreign banks. At first，this thesis uses Chinese economy and trade development data to explain Taiwanese companies operate bank business and they face the circumstances in China. We can research into analyzing Chinese financial reform，introducing foreign investors to reform stock market，and opening Chinese financial market in 2006 by WTO schedule to understand the continuous change of circumstance of Chinese banks. According to observing the competitive strategies and roles of International foreign banks to advice Taiwanese companies and banks how to plan their strategies in China. Second，taking First Sino Bank for example to discuss Taiwanese banks how to get away from government restrictions and take advantage of strategy alliance or offshore investment to entry China. This thesis researches some Taiwanese banks for offshore investment and strategy alliance to analyze operation strategies.
This thesis is a scientific and overall analysis. When Taiwanese bank industry faces clash of global competition and fluctuation of politics and economy， I hope to provide thinking and formulation. In addition to strategy analysis of operation in China，we also hope that there are some beneficial policies of economy between China and Taiwan. With the scale Taiwanese companies are bigger and bigger， I look forward to helping Taiwanese bank industry.