金融機構不良債權策略管理之研究—以臺灣地區T銀行就學貸款為例

Study on the Business Strategy Formulation for Non-Performing Loan in Taiwan-A case study on Student Loan in Bank T

李文英(Wen-Ying Lee)

指導教授 ： 林志鴻

共同指導教授 ： 林志娟

淡江大學/商學院/國際貿易學系國際企業學碩士在職專班/碩士(2008年)

https://doi.org/10.6846/TKU.2008.00686

摘要

本研究是以臺灣地區銀行處理不良債權之現況，來探索企業競爭策略形成對催收人員執行力之研究，目的是希望透過個案公司的使命陳述，進行其內部環境要素評估與外部環境要素評估，歸納出策略形成之重要相關因素，據以制訂其競爭策略，並期望能提供知識給予催收人員作為處理不良債權的參考。本研究採取探索性的個案研究法，透過國內外相關文獻探討和次級資料的蒐集，經由本研究之探討，歸納結論如下：

一、企業使命陳述下，內部環境評估要素與外部環境評估要素為其競爭策略形成之重要參考因素，就個案公司而言，原有處理不良債權的策略，恐難保持該公司之競爭優勢，必須重新調整其策略的形成。

二、在個案公司之使命陳述下，評估其內部環境要素與外部環境要素，並歸納出其競爭策略形成要素及執行圖，當個案考量三大環境要素重點，將有助其策略形成，並執行以達成企業目標，作為公司競爭策略制定及內部執行人員操作之參考。

三、綜合內部環境，產業環境與總體環境的評估後，策略形成，認為目標之達成有賴執行人員準確的執行，而在執行上的重點，則是達成績效目標，以及增加經營效益。藉以維繫T銀行「逾期放款比率最低」之目標。

關鍵字

不良債權 ； 就學貸款 ； 策略形成

並列摘要

This study concentrates on the current development of Non-Performing Loan in Taiwan with emphasis on business strategy formulation to official’s execution so as to assess the internal environmental factors and external environmental factors through the mission statement of the target company; and thus summarizes the critical factors related to the strategy formulation, thereby initiating business strategies and presenting the findings to the student loans. Making use of the explosive case study method, this study has studied the related archives comprehensively, and collected secondary date extensively with findings as follows:

1. With the business mission statement, the internal environmental assessment factors and external environmental assessment factors are critical for business strategy formulation. As to the target company, the dealing with non-performing loan did not competitive superiority of is the official’s execution for ever. It’s a key factor to be the new business strategy formulation.

2. With the mission statement, this study has assessed the internal and external competitive environmental of the target company together with the macro environmental factors so as to summarize the business strategy formulation factor diagram and execution diagram. The three environmental key factors are sufficient for the target company to formulation its business strategies so as to achieve goals and modify its specific business strategies.

3. After internal environmental assessment, industrial environment assessment and external environment assessment, to think that goals to be achieved depend on accurate executing. The most important thing is how to maintain the lowest ratio of non-performing loan.

並列關鍵字

Non-Performing Loan ； Student Loan ； Business Strategy Formulation

參考文獻

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