全國農業金庫經營績效與策略發展之探討

A Study On The Operation Performance And Development Strategy Of Agricultural Bank Of Taiwan

莊子凱(Chuang,Tzukai)

指導教授 ： 鄭揚耀

國立中正大學/管理學院/財務金融學系/碩士(2012年)

摘要

2004年施行農業金融法，成立行政院農業委員會農業金融局及設立全國農業金庫輔導農、漁會信用部。本研究發現在全國農業金庫積極輔導之下，農、漁會信用部財務及經營績效上確實有改善。另採用美國審查銀行之 CAMELS 評等制度分析法來衡量經營績效，研究結果發現全國農業金庫的經營績效不佳。
本研究透過對金融產業外在環境的分析及利用 Porter 的五力分析、Andrews 的 SWOT 分析和 Weihrich 的 SWOT 矩陣分析來檢視全國農業金庫本身的內在環境，期能提供其未來制定經營策略時所需之主要決策資訊，裨益於決策之有效性與正確性。
最後提出全國農業金庫未來可行的發展策略包括進行釋股、爭取申設分行、強化資金運用、增強風險管理、與農漁會信用部共同行銷、農村家計金融化及委託信託機構代為操作投資等，期能突破目前經營上的困境。

關鍵字

SWOT ； CAMELS ； 全國農業金庫

並列摘要

The Agricultural Finance Laws is launched in 2004. It set up Bureau of Agricultural Finance and Agricultural Bank of Taiwan to coach the farmers’ and fishermen’s association credit department. The study found that Agricultural Bank of Taiwan is helpful for the efficiency farmers’ and fishermen’s association credit department. By adopting the CAMELS rating system in measuring performance, the result indicates that the worse the performance of Agricultural Bank of Taiwan.
This study seeks to analyze the external environment of the financial industry and examine its internal environment according to Porter’s Five Force Analysis, Andrews’ SWOT Analysis and Weihrich’s SWOT matrix Analysis. Finally, this study tries to develop some competitive strategies for Agricultural Bank of Taiwan, in hope of providing its with related information for major decision making and improve the validity and properness of its future management strategies formulation.
In conclusion, the study suggests seven significant items for the Agricultural Bank of Taiwan： releases the stock, set up more branches, reinforce the performance of capital application, strengthening risk management, integrate the common marketing, agricultural financialization and request trust institution investment.

並列關鍵字

Agricultural Bank of Taiwan ； CAMELS ； SWOT

參考文獻

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