- 學位論文
本國銀行進入香港財富管理市場經營策略之研究
A Study on the Business Strategy of the Taiwanese Banks in the Hong Kong Wealth Management Market
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摘要
本研究在探討近年來由於中國市場的崛起，大陸這個龐大的經濟驅動引擎的發動，這個趨勢與洪流帶給中國人潮與錢潮，並帶動了整個亞洲的經濟起飛，而基金投資是近年來蔚為風潮投資工具，隨著國人對投資理財的觀念逐漸重視，對新種商品的需求也逐漸增加。因為政府對中國股市、香港紅籌股和相關基金的投資限制，造成許多高投資高報酬率的基金甚至亞洲區域型基金因投資中國超過限制，而被迫紛紛從台灣下架，因此，本國銀行為能掌握投資先機紛紛加入香港財富管理市場，以服務原有香港往來的台商及本國銀行往來客戶的理財需求，在策略上也以香港為跳板，為未來進軍大陸市場做好準備。香港是全球最開放的經濟體系，隨著中國大陸對外的開放，更帶動了內地財富管理業務的需求。為吸納中國客戶，香港一直都被視為通往中國的門戶，使香港銀行業前景樂觀，促使本國銀行紛紛投入香港市場。面對金融產業國際化的潮流，加上台灣金融市場小，銀行家數多，若銀行侷限於國內市場競爭，手續費收入利潤越來越少，惡性競爭下營利難以成長。本國銀行須將觸角延伸到香港及內地，本國銀行將擁有很大的發展空間。 本論文以在香港之本國銀行作為研究的對象，試圖探討銀行成功的經營策略，藉由研究結果說明經營模式的重要性，以提供本國銀行未來於香港、大陸、及海外發展思考的方向，結果發現本國銀行於香港之發展以台商及台灣投資人為主，較無深入當地之策略。為能提升服務海外客戶，應重視藉由投資當地銀行、與當地銀行策略聯盟以加強客戶層面的深度及業務廣度，建立完善配套措施協助金融業發展海外財富管理業務。
並列摘要
With the Chinese market emerging during the recent decades, the vigorous economic growth accompanies with the rapid surge of population and capital, which creates another phenomenal economic boom. And as the increasing of the emphasis on financial management, the investors’ demand for new financial derivatives increases as well. Meanwhile, mutual fund is one of the popular investment tools in the capital market. Because there exists the investing quota limits among China market, many Taiwanese banks turn into Hong Kong wealth management market as the launching pad, not only to provide the services to related customers but also to prepare for the access to China market. Hong Kong is one of the most open economies all around the world, and benefiting from the Chinese glasnost policy, Hong Kong market absorbs the massive demands of the inland wealth management. For that reason, being the gateway into China market, it attracts more and more Taiwan banks joining the competition. However, in Taiwan, facing the challenges of the global financial environment and the domestic shrinking market, it becomes a cut-throat competition among so much local banks. Therefore, it will be a great strategy for the Taiwanese banks to broaden their horizon into Hong Kong and the inland market. This research attempts to explore the successful business strategy and entry mode by focusing on the Taiwanese banks operating in Hong Kong. Yet, we find that due to lacking of the localized strategy and business model, the segmentation and position of Taiwanese banks mainly aim at the Taiwanese companies and investors. And we conclusively think that in order to improve the service to the overseas customers and to strengthen the depth and breadth of overseas business, banks may invest and develop the strategic alliances with Hong Kong banks. Besides, they may set up the outright schemes to help the financial industry to develop the overseas business of wealth management.
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