銀行消費性貸款業務之研究

The Research on Banking Consumer Loan Business

蕭人琬(Jen-Wan Hsiao)

指導教授 ： 楊朝成

國立臺灣大學/管理學院/財務金融學研究所/碩士(2007年)

https://doi.org/10.6342/NTU.2007.10262

摘要

我國銀行業雖然94年底受到「雙卡風暴」衝擊，獲利遭受擠壓，但由於消費性貸款業務風險分散的特性且金融市場必須平衡發展，消費性貸款仍為未來推動金融服務需求及銀行獲利成長的主力業務。
本研究係以銀行消費性貸款業務為重心，對於本項業務之企劃、定價、作業管理、行銷、風險管理、客戶服務管理及績效評估等深入探討並提出業務競爭及成長策略。茲將面對當前成熟且飽和的消費金融市場，針對銀行推展消費性貸款業務，本研究之主要結論擇要簡述如下：
一、 強化品牌形象，爭取消費者的認同並創造企業價值。
二、 以客戶為中心的經營理念，量身訂製客製化之金融商品及服務，持續研發創新以建立差異化之競爭優勢。
三、 善用顧客資料庫資源，交叉行銷多元化之金融商品，以擴大並深耕客戶基礎。
四、 加強信用風險管理，落實風險定價觀念，建立完整的信用風險評估機制及控管能力，以消除「資訊不對稱」的差距，降低「逆選擇」的現象。
五、 利用資訊科技通路有效率地拓展業務，降低經營成本。
六、 發展消費性貸款業務，應培養專長的領域，避免一窩蜂地盲目追逐市場，專注於利基型特定商品之交叉銷售以提升綜效。

關鍵字

雙卡風暴、差異化、競爭優勢、交叉行銷、資訊不 對稱、逆選擇、綜效

並列摘要

Although the banking industry of our country suffered great losses by the “double card storm” in 2005 year end, owing to the risk dispersion character of consumer loans and the financial market should keep balanced development, the consumer loans will still be the indispensable mainstream business to motivate future banking profit growth and service demands.
The thesis is focused on banking consumer loan business, not only aiming at the thorough discussions of the planning, pricing, operation, marketing, risk and service management and performance evaluation but also proposing competition and growth strategies . Confronted by the current both mature and saturated consumer banking market, the main conclusions of the thesis to promote consumer loans are abstracted as follows:
1.Strengthen brand image and acquire the recognition and acceptance of customers to create business value.
2.Using customer-centric principles to tailor-made customized financial products and services. Innovating continuously to establish differential competition advantages.
3.Taking good advantage of customers’ database information resources to cross-sell diversified financial commodities so as to enlarge and cultivate clients’ foundation.
4.Enhancing credit risk management and adopting practicable risk pricing concepts to set up complete credit risk evaluation mechanism to upgrade the ability of control in order to eliminate asymmetric information gap and lower adverse selection phenomenon.
5.Utilizing information technology channels to explore relevant consumer loan business to cut down operation costs.
6.Trying to cultivate specialized territories in developing consumer loan business, not chasing the market as a swarm of hornets. Focusing on the cross-selling of special profitable products to promote synergy.

並列關鍵字

double-card storm ； differential ； competition advantage ； cross-selling ； asymmetric information ； adverse selection ； synergy

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