- 學位論文
國內私人銀行經營模式之探討
The study of the construct the operation mode of domestic private banking operation
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摘要
本研究旨在建構國內私人銀行業務之經營模式，並採用廣泛文獻收集與產業報告調查法，先探討國內具有代表性之十家銀行業者對於私人銀行業務運作與營運現況之了解；其次，引入國內外相關文獻及公開資訊，就綜觀全球金融業界在私人銀行業務執行之實務面予以詳細地整理及歸納，並進而建構出國內私人銀行之最適經營模式；最後，以歐洲學者提出之金融業經營趨勢──創新思維為基礎，提出對銀行業者的經營策略建議與政府施行產業相關政策的方向建議。 基於研究範圍的界定與研究對象的定義下，本研究選擇以質化的研究方法，透過廣泛與深入的文獻回顧及資訊收集、整理、歸納的調查法，做為研究主軸並以系統化分析與科學性的思維，達成研究目的。 由於本研究問題的特殊性，私人銀行業務在國內近年來的興起相較於國外的發展而言，是相對起步晚且在金融制度、業者的經營理念、消費者的理財知識等，尚有許多值得學習與成長的空間。在此同時，本研究亦透過對本國金融環境發展與演變的進程、國內外研究者廣泛及深入的文獻回顧、相關產業報告與對業者的動態調查等方式，力求在已知的理論基礎上，建構起符合實務運作的經營模式概念圖，並同時提出經營策略的建議。 研究結果發現，國內的私人銀行業務基於金融環境及國內法令的限制，在業務的推廣及經營模式上相較於國外明顯落後很多，在技術支援、人員素質、軟硬體設備甚至於經驗上都略顯不足。面對金融改革，更多的外商銀行挾帶龐大的金融資源及更多元化的金融服務，積極佈局台灣甚至於亞洲市場，對國內金融環境的衝擊可想而知，故政府和銀行業者應加緊腳步，積極提升本國金融業的競爭力，朝環球金融市場的方向邁進。
並列摘要
This research aims to construct the operation mode of domestic private banking operation. It first explores the understanding of private banking operation and operating status by ten representative bankers in China through collection of extensive literatures and investigation of industrial reports; and then it introduces relevant literature and public information at home and abroad and makes detailed arrangement and generalization of actual private banking operation implemented in the global banking industry, in order to construct the optimum operation mode of domestic private banks. Lastly, the suggestions on management strategy of the bankers and advices on the direction of relevant industrial policies implemented by the government are provided based on the banking management trend—innovative thinking presented by the European scholars. Based on definition of research scope and research object, this research adopted the quantitative research method, as well as extensive and in-depth literature review and the investigation methods including collection, arrangement and generalization of information, and utilized systematical analysis and scientific thinking to accomplish the research goals. Due to particularity of the research problem, the private banking operation in China emerged later in recent years, as compared with the development of foreign private banking operation, and there is much worth learning and more space for development in operation concept of the bankers, financing knowledge. At the same time, the research is also intended to construct conceptual graph of operation mode consistent with actual practices based on the known theoretical basis, through such methods as analysis of developing and evolving process of domestic financial environment, extensive and profound literature review of Chinese and foreign researchers, relevant industrial reports and dynamic investigation of the bankers. The research results indicated that due to limitation of financial environment and domestic laws, the domestic private banking operation obviously falls behind foreign equivalent in operational generalization and operation mode, and suffers from slight shortage in technical support, employee quality, software and hardware and experiences. When facing financial reform, more foreign banks bring and actively arrange large financial resources and diversified financial services in Taiwan or even Asian market, which brings about notable impact upon the foreign financial environment. Therefore, the government and bankers should make more efforts to actively improve the competitiveness of China’s banking industry and stride towards the global financial market.
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