投信業外包決策之研究

The Study of Outsourcing Decision-Making of the Securities Investment Trust Enterprise

李慧娟(Hui-Chuan Lee)

指導教授 ： 池祥麟

國立臺北大學/商學院/國際財務金融碩士在職專班/碩士(2009年)

摘要

「外包」並非是一項創新的經營管理方式，而屬金融服務業的「證券投資信託事業」（投信業），其工作是否適合外包？研究者發現在民國88年至90年間，曾有三家投信公司將其股務作業委外給「中國信託股務代理機構」處理，但之後卻都紛紛將相關委外的作業收回由公司內部自行處理，而在這三家投信停止外包作業後，其他投信業也暫時沒有委外之情形。一直到民國95年底開始陸續的改變，自民國95年11月起到目前為止共有三家投信公司陸續將公司的基金會計部門、基金股務部門或公司的客服部門業務委外給外包廠商處理。

到底是什麼樣的原因、或是其他外在因素的考量影響，讓這幾家投信公司會決定將他們的公司的部份業務外包處理？而自民國94年7月政府開始實施的「勞工退休金條例」新制，是否影響企業做出執行外包策略的動機？而已經執行外包作業的投信公司，其決策的原因、實施的方法、步驟及效益又是如何？

本研究假設人力資源的「成本因素」是造成企業或投信業改變其人員雇用的方式，進而演變成使用「外包方式」的決策，研究者利用問卷調查方式，調查了國內39家投信公司的人力資源部門或行政管理部門的主管們，對前面所提出的幾項假設因素請其回答意見並做成彙整分析；另一方面，利用與個案公司訪談方式深入瞭解個案公司從決定外包決策因素、外包作業規劃、委外合作廠商遴選方式及步驟、外包移交處理過程之交接計劃及風險控管等等，做成研究報告。

經過以上二種研究方法分析研究後發現：『勞工退休準備金制度』新制的實施，並非是影響「投信事業」外包決策的主要因素；而投信之規模、投信之客戶屬性、以及投信旗下的基金屬性，也並未直接影響投信的外包決策。最後依個案公司實施股務服務作業外包的經驗，學習到如何建構與外包廠商的合作過程及實施經驗，希望對其他「投信公司」未來實施委外作業時，能提供適當的建議。

關鍵字

外包；投信業；勞工退休金條例；核心競爭力；績效

並列摘要

"Outsourcing" is not an innovative management approach, which is the financial services industry - The Securities Investment Trust Enterprise (The SITE), is it suitability for outsourcing? Researchers found that in 1999 to 2001, there were three “the SITE” companies outsourcing the business of Operations Dept., passed to Transfer Agency Department of China-Trust Commercial Bank to deal with. But after 2001, all of their outsourcing business of operation have been recovered by the company on its own to deal with. After those three companies stop their outsourcing, the other Securities Investment Trust Enterprise no longer outsourcing industry circumstances until the end of year 2006. There are three Securities Investment Trust Enterprise have outsourced their company's fund accounting department, the fund operation department or the company's customer service department business processing outsource to the outsourcing vendor since November 2006.

What kind of the reasons or the impact of external factors, let the three companies decide to outsource some business to deal with? The new policy "the Labor Pension Act" started since July 2005, whether it impact of corporate outsourcing strategy to the implementation of the motive? What is the reasons and its decision-making, implementation of methods and procedures and how it's effective, cause the companies which have implemented operations outsourcing?

This study assumption that human resources "cost factor" cause enterprise or trust industry to change its way of employing staff, and then evolved into the use "outsourcing" of decision-making. Researcher use Questionnaire to investigate 39 domestic investment trust companies' head of human resources or administrative departments. And ask their point of view about the front questions of the assumption made by several factors. Then summary and analyze all their view. On the other hand, Researcher use interviews and case-study understanding of the company cases. Why they made the decision of outsourcing decision-making factors, including operations planning, outsourcing partner selection methods and procedures, outsourcing the transfer of the transfer process and risk management plans, etc., into this study.

Using above two kinds of research methods analysis, we found the implementation of the new policy "Labor Pension Act" did not impact of corporate outsourcing strategy to the implementation of the motive. The fund size, the type of customers, as well as the Fund attributes of the Securities Investment Trust Enterprise, also did not directly affect the corporate outsourcing of decision-making. Finally, we learn the experience of operations outsourcing via case-study company, how to build the cooperation process with outsourcing vendors and the implementation experience, in the hope that we can provide appropriate recommendations to other securities investment trust enterprise when they want to implementation the outsourcing in the future.

並列關鍵字

outsourcing； the Securities Investment Trust Enterprise (The SITE)； the Labor Pension Act； the core competitiveness； performance

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