P銀行不動產信託經營之研究

國內為抑制不斷高漲之房價，自民國99年底100年初開始施行房控政策，而營建業在國內經濟體屬尚龍頭產業，對此房控政策於經濟蕭條時期更形雪上加霜，財資力明顯薄弱之建商亦陸續傳出經營不善致建案無法興建完成；另，國人仍存有“有土斯有財”之觀念，對投資仍偏好以房地產為主，個人勞動所得僅為取得一固定住所為安居樂業者仍屬多數，故對於動輒數佰、數仟萬元之不動產交易，仍應取得一定之安全交易機制，本報告即以此為研究動機。「信託」為近一、二十年來為各業界樂於採用之財產交易、保全機制之一，不動產交易、開發更為消費者及銀行業者，所常採用之交易安全、融資債權保障機制，故對信託及實務操作做更深一層之探討。於銀行業職場任職已相當一段時期，對不動產貸款業務，以及對建設公司與地主共同開發興建之融資、信託保障機制實務作業，亦多有涉獵；不動產開發信託業務即目前所任職P銀行核心業務之一，對P銀行由區域性金融機構改制為商業銀行之人文、沿革，及其業務擴充、業務推展與作業流程及未來發展，作一SWOT分析探討及往後可為之改進方向。

關鍵字

安全交易；信託；不動產開發信託

並列摘要

To control housing price which is constantly climbing, our government Implement housing price control policy from the end of 2000. But construction industry is the leading industry for our country economy. Housing price control policy is disaster when the economic is in depression. Some low-capital company can’t finish their construction project. Because their poor management. However, “Along with land comes about wealth” is ingrained concept for our nations. Our people are preferred to invest in real estate. Many people earn their salary only for getting a stable place to live within. So secure transaction is must for real estate transaction which can reach more than millions of dollars. And this is the purpose for this report In recent 10 to 20 years, many industries prefer to use “trust” for secure mechanism and property transaction. Real estate transaction and development is used for consumer and banking industry to secure transaction and security mechanism for debt financing. So, this report will discuss trust and its practical operating. I am working in bank industry for a long time. And very familiar with real estate business and loan for cooperate development between construction company and landlord. Trust for real estate development is core business for P bank where I work in. P bank is reorganized from regional financial institute. This report will introduce history and business culture. And also introduce its business expansion, business development, working process and future plans. This report will discuss SWOT analysis for P bank and giving suggestion for future plans for P bank.