外資銀行在中國經營績效分析 : 兼論台資銀行在中國的發展

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Title:	外資銀行在中國經營績效分析 : 兼論台資銀行在中國的發展
Other Titles:	Study of operating performance for foreign banks and the development of domestic bank in Mainland China
Authors:	黃逸民;Huang, Yi-Min
Contributors:	淡江大學財務金融學系碩士在職專班李沃牆;Lee, Wo-Chiang
Keywords:	外資銀行;台資銀行;銀行經營績效;foreign bank;Domestic Bank in Mainland China;Operating performance;CAMELS;SWOT
Date:	2013
Issue Date:	2014-01-23 13:30:27 (UTC+8)
Abstract:	本研究以在中國經營銀行業務之外資銀行與台資銀行為研究對象，以其在中國市場之財報資料，運用CAMELS指標選取財務變數，分別進行財務報表分析，用以明瞭其經營績效，再以SWOT矩陣分別探討其在中國之經營策略，最後以損益表資料對台資銀行進行經營績效實證分析。因資料取得之限制，故以外資銀行為主，研究對象為2008年至2011年的14間外資銀行，而台資銀行則以2013年4月為止至中國設立分行之10間台資銀行為研究對象。綜合本文的結論如下：一、外資銀行規模不如中國本國銀行業，且獲利能力仍有些差距。二、外資銀行在中國的獲利重心在於放款業務。三、外資銀行的發展重心應以企業金融和私人銀行業務為主，創造差異化市場。四、外資銀行應發揮其優異之風險控管能力，因應市場之經營風險。五、台資銀行獲利來源以放款業務為主。六、台資銀行授信上應重視內需導向的台商。七、台資銀行經營績效實證分析發現，獲利主要受營業收入和營業支出影響。雖然中國銀行業受惠於目前的高利差環境，使得外資銀行和台資銀行都想積極進入中國市場以賺取高額獲利，但中國金融市場看似商機龐大，但其中隱含之經營風險實不可輕忽，在注重獲利性的同時，如何控制風險，對於銀行業而言，是不容小覷的課題，尤其是面臨不熟悉之經營環境所應抱持的態度，以及如何在中國成功布局，順利推動業務，包括進入模式，區域選擇以及業務推展方向等策略的問題，都值得銀行業者再三的深思與規劃。 This research aims to expound in depth the operating performance of the foreign banks and the domestic banks in Mainland China, which uses the CAMELS ratings system with financial variables to analyze their financial statement separately, and supported by the SWOT matrix to explore the business strategy in China. Finally, it analyzes the operating performance of the domestic banks with the income statements. This study, with the limited resources, therefore mainly focuses on the foreign banks in China. The subject matter of the profound paper involves 14 foreign banks during 2008 to 2011 and 10 domestic banks before April, 2013 in China. With the field study can be concluded as below: 1.The foreign banks’ asset scale is not as grand as the banks of China, and the earning-profitability is just the moderate compared with the latter. 2.Foreign banks fetch the core profit from the direct term loan. 3.Foreign banks should focus their developing business on corporate banking as well as private banking business to create differential marketing and customer segmentation strategy. 4.Foreign banks may keep and develop their heart of capability and superb experience on the risk management for covering the business risk. 5.Domestic banks will play their term loan business as a main profit source. 6.Domestic banks, to a credit degree, should be staunch supporters of import-oriented enterprises of Taiwan. 7.Empirical analysis of operating performance of domestic banks, find that the profit is influenced by the operating revenue along with operating expenses. While banks of China acquire great benefit from the high interest rate stimulating both foreign banks along with domestic banks with incentives to enter China’s market, it conceals the management risk that cannot be ignored. In the same terms, how to control the business risk with healthy profit, especially assuming positive attitude toward unfamiliar enterprise-manageable environment inclusive of business enter mode, geographical choice decision and business promotion in China, has become a critical issue of the banks.
Appears in Collections:	[Graduate Institute & Department of Banking and Finance] Thesis

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