本文是以S銀行為個案研究對象，以 Lin and Pao（2004）之理論架構分析作為依據，循序由7S模式分析個案銀行內部環境的優勢與劣勢，再以五力模型分析其所處產業面臨的競爭與威脅，再藉由PESTEL模式評估總體環境的影響，探討個案銀行辦理中小企業信用保證基金業務的優勢策略形成要素，以及如何執行進而達成其使命。S銀行係S金控底下的子公司，是由同屬該公司旗下的建華銀行與台北國際商銀合併而組成，經過上述分析，其結論是S適合專注經營中小企業信用保證基金業務，經由最適策略「深耕既有中小企業」的執行，進而達成「中小企業優質專業融資銀行」的使命，藉以擴充營運規模並增加業務收益。 Taiwan applied to set up private banks in 1991 and then the domestic banks grew up from 25 to 53 during 10 years, but the overall market demands was unable to expand by proportions and then caused the craft competition between bank industries and the interest rates dropped largely. In order to increase the income, the domestic banks invest to the area of personal financial services actively in recent years. Due to the control insufficiency and the blind sprint business, it caused the outbreak of two-card crisis in the end of 2005 and impacts the bank profitability; however, the bank industries just recovered from the two-card crisis faced to the test of U.S. Subprime Mortgage Crisis in 2008 and made the serious injuries to the wealth management business. Therefore, the bank business returns to focus on the traditional banking deposit and loan business and then the proportion improved significantly when turns to the public and private loan business. The share of small and medium-sized enterprise amounting to 97.7% of Taiwan entrepreneurs and the bank has higher interest rates of the loan business to the small and medium-sized enterprise. Therefore, the small and medium-sized enterprise financial business has become the focus of various banking development, however, the small and medium-sized enterprise is limited to the characteristics of not containing economic scale and the bank has higher risk of its financing. In order to solve this problem, various banks shift the bad debt risk of banks by having the SME credit guarantee fund; the case bank also invests lots of resources to expand the small and medium-sized enterprise financial business by the SME credit guarantee fund in order to improve the loss. Choose the appropriateness of the business for a case bank and manage the business to improve the situation of its business indicator is the main aim and goal that this research is going to discuss.
This article takes S bank as a case study object and uses the theoretical framework analysis of Lin and Pao (2004) as the basis. Then analyze the internal environmental strengths and weaknesses of a case bank by 7S model. Moreover, analyze its competition and threat the industry faces by five competitive forces and then uses the PESTEL pattern to evaluate the influence of the overall environment and discuss the strategy formulation elements of advantages in managing the s SME credit guarantee fund and also how to carry out it in order to achieve the mission. The S bank is the subsidiary company of the S financial services holding company and it composed by the combination of Bank SinoPac and Taipei International Commercial Bank which belong to the same company. According to the above analysis, the result goes to that the S is suitable to focus on managing the SME credit guarantee fund and then achieve the mission of “quality professional financing of small and medium-sized banks” by the execution of the best strategy “cultivating the existed small and medium-sized enterprise” in order to expand the scale of operation and increase the sales income.