| 摘要: | 因為金融業自由化以及國際化，使得臺灣的金融市場的競爭變的相當激烈，爾後又遇上1997年亞洲金融風暴，然後再加上信用卡、現金卡的雙卡風暴以及2007年的次級房貸泡沫化，讓臺灣的銀行業者在短期之內產生大量的不良債權以及投資虧損，甚至有些金融控股公司或是中小型、區域型銀行已經危及到自身公司的經營。在這些衝擊之下，臺灣銀行業已意識到有效加強風險管理與控制，應會勝過於一味地追求巨額利潤，進而調整經營策略，且將經營方針由追求「量」的成長轉型為追求「質」的提升，在賺取利潤的同時也須兼顧風險的管理。但也因為這樣使得銀行業必須不斷地加速金融商品創新，讓自身公司的盈餘目標可以達到，以致於形成銀行業日趨複雜的趨勢。授信與存款為銀行兩大主要業務，這兩個區塊缺一不可而且必須相互配合，銀行才能穩健成長。
中國大陸為臺灣重要貿易夥伴且地位是相當穩固的，而兩岸經貿活動以及其他各類活動交流所衍生之金融市場的商機也隨著經貿正常化扮演著重要的角色，因此臺灣的銀行業者莫不渴望能趕上中國大陸高度經濟成長的這波潮流，並佈局、深耕中國大陸的國內市場，進而擴大自己本身的營業利基和商業利益。倘若臺灣與中國大陸在兩岸經貿合作的架構之下，相互開放自己國內的金融市場，那麼兩岸為了因應資金流通以及授信融資在金融監理的制度上兩岸是否都完備？誰較完備？在探討兩岸營銀行業在未來兩岸金融市場的競合比較且將比較分析範圍集中在銀行徵授信方面，是中國大陸的銀行的核心能力好？還是臺灣的銀行核心能力強？
本研究係先了解由兩岸的銀行授信相關的政府法律規範以及兩岸訂定訂法規制度的意涵、原由，然後深入比較兩岸的銀行實際徵信、授信作業制度，及探討兩岸銀行業在未來兩岸授信市場核心能力的競合比較，並為未來臺灣的銀行業者在未來兩岸金融市場進行金融競合或是為了有效掌握客戶資金流向與授信品質提供後續的思考。
Due to financial industry liberalization and globalization, the Taiwanese banking sector become highly competitive? Afterwards the 1997 financial Asia financial storm, credit crunch for credit card and cash card, and the subprime mortgage bubble in 2007,Banking industry generated massive non-performing loans and investment losses in short-term. Some of these financial holding companies or regional banks were even in brisk-bankrupt. After these impacts, the banking industry realized they should focus on efficient risk management rather than only looking for huge profit without risk control. Therefore, they adjusted their management policy from quantity growth to quality growth-earn the profit with tolerate risk measurement. All these challenges made it even harder for banks to achieve their earning estimated numbers, so they had to find new financial commodity to inorder survive in Taiwan’s market. Banks should focus primarily on credit management and deposit which are bank’s primary services in Taiwan.
Mainland China is one of Taiwan’s important trade partner, and the role for China is growing everyday with the ease situation between both the governments. For banks in Taiwan, they also eagerly hope to grab the opportunity to have a role in China’s financial market, to expand their business. Under the economic cooperative framework agreements, if the both side agree to open their market fairly, would they have the comparative regulations? We would discuss and compare primarily on bank credit management between these two banking sector.
The essay would start to study law regulations and the policies behind these regulations were made. Then we would further take account of the real credit management, credit operation system, and compare the differences in the cross-strait banking system. In the end, hopefully , study of the credit management of banking industry in cross-strait would made an opinion for the financial competition and integration in the coming future and provide the more thoughts for Taiwanese banking industry. |
