地方基層金融之績效指標與組織變革之探討：以C信用合作社為例

The Study of Performance Index and Organization Change for Local Financial Institution: The Case of C Credit Cooperative Association

黃振誼(Chen-I Huang) ； 陳宏鎧(Hong-Kai Chen)

《聯大學報》 10卷1期 (2013/06) Pp. 143-167

摘要

近幾年來資訊科技的引進，對業務彈性不大的信用合作社形成另一種壓力，因此，本研究採個案研究的方式探討C信用合作社未來之經營方向。本研究因此針對個案之7位經營管理者進行訪談，並以績效指標及組織變革為核心，探討信用合作之未來經營方向，研究結果發現，若信合社維持現狀經營，對於信合社業務、財務績效較佳者尚有經營空間。若改制區域商業銀行，依目前政府的金融整併政策，改制方向不可行，且信合社同業意願低。最終方案是併入金控，此為最佳方案，因為發展大型金融機構（金控）為未來趨勢，且形成業界之共識，因此，信合社對於未來長期方向與定位必須深思。

關鍵字

信用合作社 ； 績效指標 ； 組織變革

並列摘要

In the recent years, with the innonation of information technology, it has cuased much pressure for Credit Cooperatives. Therefore, this research adopts the method of case study to explore C Credit Cooperative on the topic of future directions. Seven managers were selected to be interviewed to uncover the future strategies of local Credit Cooperative. The findings suggest that if the Credit Cooperative maintains the present situation, there are still growing spaces for those with good financial performance. The second alternative is to change to be a commercial bank, however, due to the limitations of law, this option is not allowed. The final choice is to be merged with banks and this is the best choice because banks equip with relatively more resources to compete in this industry. Managers suggest that merger and acquisition are the tendency in this industry. As a result, Credit Cooperatives have to think about its position and future development.

並列關鍵字

Credit Cooperative ； Performance Index ； Organisation Change

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