兩岸銀行業互動發展之研究

THE STUDY OF INTERACTION BETWEEN BANKS OF TAIWAN AND CHINA

謝秀華(Hsiu-Hua Hsieh)

指導教授 ： 丘邦翰

元智大學/管理學院/管理碩士在職專班/碩士(2011年)

摘要

2001年底中國加入WTO，市場循序對外開放，外國金融機構相繼搶進登陸，隨著2006年底中國對WTO金融市場開放承諾事項的完全實施，外資銀行已加速進入大陸。台灣銀行業歷經數十年的發展演進及改革，已逐漸朝向國際化、多元化與制度化的方向發展，尤其是歷經東南亞金融風暴、網路泡沫、雙卡效應、金融危機等，台灣金融業已蛻變成長，逐漸朝向多元、國際化的方向發展。兩岸金融監理MOU 已於2009年11月16日簽訂，台灣銀行業將可順利登陸，而兩岸金融逐漸開放後，因看好大陸市場龐大商機，台灣銀行業西進已是必然之趨勢，台灣銀行業前進中國大陸佈局，除可擴大台灣銀行業營運規模，強化國際競爭力外，亦可抒解台灣銀行業過度競爭之問題，同時解決台商中小企業在大陸的融資問題。但兩岸規模差異甚大，互信程度亦有待提升，台灣的銀行業者有必要先做好完整的規劃與評估，包括進入模式、投資金額、區域選擇以及業務推展等策略，都需事先擬定，兩岸應在實質對等與均衡往來原則下互動。簡言之，台灣的優勢在經驗、人才和服務效率，大陸的優勢在市場和規模，兩岸須相互學習，在不斷調整和改造中共同成長。目前兩岸金融業之國際競爭力均需加強，最佳策略是兩岸均拉高格局和視野，彼此相互合作，以提昇雙方在國際上的競爭力。

關鍵字

兩岸金融

並列摘要

Since China is enlisted in WTO in the end of 2001, the market is thus sequentially opened to foreign WTO member. Foreign banking institutes lined up to establish their business in China. As the China committed WTO items to open financial service market has been fully realized in the end of 2006, foreign banks accelerated their paces into China. Taiwan’s banking system has been cultured to international level after experiencing the financial storm of Southeast Asia, internet stock bubbles, abuse of plastic currency, financial crisis, etc.; therefore, Taiwan’s banking system has transformed and developed towards diversified and internationalized directions. As the regulatory MOU between Taiwan and China has been executed on November 16, 2009, Taiwan-based banks are statutorily permitted to establish business offices and branches in China. After China market of financial services is gradually opened to Taiwan banks, the great business opportunities spur Taiwan banks to move forward into China. The advantages for Taiwan banks to establish branches and service networks in China include（a）enlargement of the operation scale of Taiwan banks; (b) strengthening the competitiveness in international market; (c) releasing the heat of competition in Taiwan market and (d) providing solution to small and medium Taiwan-based enterprises in China for their financing issues. However, the difference of bank scale between Taiwan and China is still huge, and the mutual trust must first be established. Taiwan-based banks must launch a full scale plan and evaluation including the strategies of (a) business model; (b) amount of investment; (c) choice of business territory; (d) business promotion, etc. The interaction principles between two banking systems shall be in material, equivalent and balanced. In short, the values of Taiwan-based banks are experience, human resource and service efficiency while the advantages of China are market and the scale of bank networks. Both Taiwan and China bankers must learn from each other and grow the business jointly under continuous adjustment and reformation. Currently, both Taiwan and China must improve their international competitiveness, and the best strategy is to raise the business style and vision to achieve the objectives in collaborative manner.

並列關鍵字

MOU ； ECFA

參考文獻

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