台灣銀行業於大陸發展金融業務之策略分析

大陸為最多台商投資的國家，最具有發展潛力的市場，台灣與大陸於2009年11月16日簽署金融監理備忘錄(MOU)，兩岸金融監理交流正式開始，嗣後2010年6月29日簽署兩岸經濟合作架構協議(ECFA)，台灣銀行業可望以此為進入大陸市場的規範，為了解中國金融市場現況及台灣銀行業依ECFA架構下，台灣銀行業於大陸發展金融業務之策略，本研究以文獻探討及整理，歸納出台灣銀行進入中國市場策略模式。現階段仍應以增設分支行及子行為策略主軸，未來亦可考慮合資或參股；尚未設立辦事處的銀行，應尋求大陸當地金融業合作，創造兩岸金流，並積極蒐集商情，為未來前往設點做準備，另大陸外匯存底，高居世界第一，並已超過日本僅次美國成為世界第二大的經濟體，未來內需市場及大陸人民理財商機不容忽視。銀行初期可尋求台灣往來之既有台商為大陸往來商機，最終仍要在地化，分享大陸經濟成長所帶來的財富管理商機。

關鍵字

MOU ； ECFA ；參股

並列摘要

Chinese mainland is the most potential market and many Taiwanese merchants are investing in Mainland China. A Memorandum of Understanding (MOU) signed by the financial regulatory authorities of the Chinese mainland and Taiwan took effect on November 16, 2009. The MOU is expected to bring about acquisition chances for the two sides' investors in each other's market. After that, the two sides inked the Economic Cooperation Framework Agreement (ECFA), on June 29, 2010. Taiwan's banking is expected to enter the mainland market in order to get deeply through into the current situation of China's financial markets and banking industry in Taiwan according to the ECFA framework. This research is mainly discuss and develop strategy of entering China markets. Currently, Taiwan’s Banking is primary set to open braches and leasing firms but they expect to tie up with banking in China, participate as shareholders, or cooperate in the future. This has further demonstrated ambition to tap the mainland Chinese market and step up deployments in overseas markets and has also set a new milestone for cross-strait financial cooperation. Furthermore, China's foreign exchange reserve is the top one better than that of Japan and close to United States. It becomes second largest economy so it can not be ignored for these financial opportunities. In the beginning, banks may seek Taiwan's relationship by Taiwanese merchants. However, finally, banks have to tap into China business culture and shares experience of economics growth in China to bring more wealth chances in the future.