台灣金融業赴大陸開拓租賃業務之進入策略、發展潛力與制約因素

The entry strategies, development potential and constraints for Taiwan's financial enterprises planning to expand the financial leasing business in Mainland China.

侯明欽(Ming-Ching Hou)

指導教授 ： 郭瑞祥

國立臺灣大學/管理學院/商學組/碩士(2012年)

https://doi.org/10.6342/NTU.2012.02074

摘要

鑑於兩岸金融法規的逐步鬆綁，特別在金管會於2010年8月決議通過 “銀行、金融控股及其關係企業投資大陸地區事業管理原則” 後，各金融業者紛紛籌設融資租賃公司進軍大陸，為對此理出一個清晰的方向，將對金融業者在進入大陸的模式，拓展業務時應採之策略以及可能面對的制約因素，做一深入的研究。以期能作出正確的判斷，進而提高營運效能與成功的機率。
本研究係採用理論與實務並用的方式，廣泛蒐集相關的文獻建立理論架構，再輔以實務上的經驗及相關的資訊，依緒論、文獻探討、台灣金融業進入大陸租賃業的進入策略分析，拓展業務之競爭優勢、發展潛力與制約因素等順序，加以剖析、比較、歸納，導出最適之方案。
最後，本研究總結之觀點為: 在進入的策略上較適合採取獨資模式，以長三角為中心，再向沿海、內陸擴散，及先以台商為核心再延伸至陸資客戶群。在創造有利大陸租賃業發展上，建議採取之措施為: 放寬資金來源管道、建立完整的信用評估體系、建立統一的設備登記制度，給予租稅上的優惠，培養足夠的專業人才。

關鍵字

融資租賃 ； 金管會 ； 銀行金控 ； 進入策略 ； 發展潛力 ； 競爭優勢 ； 制約因素

並列摘要

In view of the gradual deregulation of the financial laws and regulations between Taiwan and Mainland China in recent years, especially after The Financial Supervisory Commission passed on Aug. 26, 2010 the resolution of “ The Managing Principles for Banking, Bank Holding and Affiliated Enterprises’ Investment in Mainland China”, all the financial enterprises are planning to establish the financial leasing company for entering into the related Mainland China market. In order to provide the financial enterprises with a clear direction, a thorough research is made on the entry model, development strategies, and constraints to be encountered so as to have the financial enterprises to make the right decision and promote the operation performance and the probability of success.

This research adopts both of the theory and practice along with the extensive collection of related literature to establish the framework of theory. In addition, on the basis of the practical experience and relative information, the contents of this paper including the introduction, literature review, the strategy analysis of Taiwan financial enterprises’ entry into Mainland China financial leasing business, the competitive advantage of business expansion, the development potential and the constraint element, which lead to the most appropriate plan by deliberate analysis, comparison and induction.

In conclusion, this research considers that the sole proprietorship is better for entry strategy which is centered on long triangle and then extends to coastal area and inland; also, the Taiwan enterprise is served as a core and expand the business to Mainland China customers afterwards. To create the beneficial development for entering the financial leasing market of Mainland China, the following measure are suggested to be adopted: loosen the channel of capital source, set up a complete credit evaluation system, establish an unified equipment registration system, offer the preferential tax and cultivate the professionals.

並列關鍵字

Financial Leasing ； Financial Supervisory Commission ； Bank Holding ； Entry Strategy ； Development Potential ； Competitive Advantage ； Constraints

參考文獻

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