新巴塞爾資本協定對銀行零售金融影響之研究-以A銀行之房屋貸款為例

THE INFLUENCE OF BASELⅡTO THE RETAIL BANKING---FROM THE RESEARCH OF MORTGAGE LOANS FROM BANK A

李志廷(Mel Lee)

指導教授 ： 丘駿飛

元智大學/管理學院/管理研究所/碩士(2007年)

摘要

台灣不動產市場自93年明顯從谷底快速復甦後，房價水準至今平均已上漲7-9%，房屋市場交易量更成長了近20%，市場處於一個穩定階段且趨勢明確之環境，然而在歷經近幾年景氣復甦後，由於缺乏重大利多的進一步刺激，目前市場供需雙方已趨謹慎。國內金融機構幾乎是以房貸業務作為銀行重要的指標性金融商品，以房貸客戶為核心主軸，提供不同的金融商品藉以滿足各個不同階段的客戶需求。並以此透過共同行銷方式，藉由房屋貸款業務衍生出其他商品利基，如:信用卡、現金卡、貴賓理財、基金、證券、信託及保險等…，配合提高服務品質及加強客戶關係維護，以降低客戶流失，提高銀行或金控獲利。近幾年消費金融的雙卡問題逐漸蔓延，侵蝕銀行的獲利能力，各銀行間對於無擔保之消費金融業務態度已趨謹慎，消費金融業務重心幾乎以房屋貸款業務為主。近年來房屋貸款市場已演變為一完全競爭市場，且進入門檻不高，造成銀行同業間爭相搶食目前僅有市場大餅，不斷以低利率高額度的房貸產品競爭，隱藏的潛在風險不低，且2007年為我國實施新巴塞爾資本協定的時間表，藉此本論文探討新巴塞爾資本協定零售金融中有關房屋貸款之相關訊息，與本國銀行之房屋貸款授信準則之關連性。

關鍵字

新巴塞爾資本協定

並列摘要

A procedure is Having experienced the quick recovery since 2004,the Taiwanese real estate market’s prices have risen 7 to 9 % on average, and its trade volumes have increased almost 20%; the market is in a stable situation with a clear future. However, after the economic recovery in these years, the real estate market lacks the further important motivations and becomes stable on both the supply side and the demand side. On the supply side, most of the Taiwanese financial institutions utilize the mortgage loan as one of the most important products, and utilize its customers as the major base to sell different financial products to satisfy customers’ different needs in their different stages. In addition, the institutions utilize the cross-selling strategy basing on the mortgage loan business to promote their other financial products, such as credit card, cash card, wealth management, funds, securities, business trusts, and insurances, and improve the service quality and enhance the customer relationship management to lower the customer loss rate and to increase the banks’ or groups’ profits. Recently, the consumer banking section’s credit card and cash card problem becomes more serious to erode banks’ profit ability. In this section, banks’ attitude towards unsecured part becomes more conservative, and most of them focus on the mortgage loan. The mortgage loan market becomes a perfect competition market, and its entry barrier is not high, which makes the banks to pursuit the market share in the existed base and utilize the products with lower rate and larger amount of credit to compete against the competitors. The potential hidden risk under this situation is not low, and Taiwan will adopt the Basel II in 2007. In this paper, the major discussion would focus on Basel II’s agreements concerning the mortgage loan part in the consumer banking section, and its influence towards Taiwanese banks’ mortgage loan credit principles.

並列關鍵字

basel 2

參考文獻

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