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  • 學位論文

中國銀行業海外併購之探討

DISCUSSION ON OVERSEAS MERGER AND ACQUISITION OF CHINESE BANKING INDUSTRY

指導教授 : 丘駿飛
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摘要


本研究探討2002年初兩岸正式加入WTO,中國銀行業面對金融市場開放,在經營不善的困境中,為增加銀行業競爭力,積極進行銀行改革之策略及成果。藉由中國國有銀行海外併購個案研究,以探討中國銀行業海外併購策略,分析中國政府對於銀行業改革思維及成果。 研究發現,中國銀行業對於海外併購主要係以東南亞地區為併購區域,並以當地中小型銀行為併購目標,採收購方式取得實質經營權,藉以增加海外通路;對於發達地區之目標銀行,則採參股方式,取得合作機會,以學習其核心技術,提升中國銀行業國際化經營之能力。中國銀行業憑藉著政府政策支持,積極進行跨國併購,配合政策進行經濟擴展。透過跨國併購達成資產及業務之多元化發展,也提升銀行業的資本適足率及國際競爭力,整體而言,中國銀行業進行跨國併購,已有相當程度之進展。 展望未來,中國在銀行業等金融上市公司進入國際金融資本市場的效應下,將會有更多的金融機構進行跨國併購,實現全球化經營和綜合經營,以提升核心競爭力,並為中國企業發展海外事業提供良好之金融服務,中國經濟力量增強,以貿易投資之強大經濟影響力作為手段,與各國建立政治關係以取得戰略利益,以建立區域霸權。 台灣要重視中國市場,但必須要有風險意識,因為中國在政策方面影響經濟的程度比其他國家來得高,必須要有防範風險的機制,用審慎而正面的態度來看中國市場,建構健全企業管理與健康企業文化的環境;創造公平合理的競爭環境,並順應知識經濟的需求以建立新的經濟模式。

並列摘要


This article discussed the actively reform of the bank’s strategy and result, while the Chinese banking industry facing the open of the money market, under the poor management difficult position, how to increase banking’s competitiveness, when the Cross-Strait both of Taiwan and China join the World Trade Organization (WTO) officially at year’s beginning of 2002.By way of case study of the overseas merger of state-owned bank of China, to discuss the overseas merger strategic of Chinese banking industry, and to analyze the reform thoughts and achievements of Chinese government. Research shows, the overseas banking merger for Chinese banking industry acted mainly at the Southeast Asia region. They usually aimed at the local small and medium bank as their target. For the sake of increasing the overseas banking channel and to obtain the essential operating concessions, the Chinese banking industry has not only adopted the purchase way to effect the goal. As for the advanced area, in order to obtain corporate chance with the advanced banking, to learn their core technology, to promote the ability of international management of Chinese banking industry, they also has adopted the joint stock system bank. The Chinese banking industry carried on multinational merger actively under support of government’s policy, and obeyed the government’s policy to proceed the expanded of economy scale. They reached the development in pluralism of the assets and business through multinational merger, also upgraded the BIS ratio of banking and international competitiveness. In sum, the Chinese banking industry carried on multinational merger has further break through already. Looking forward to the future, under the effect of China enters into such financial listed companies as the banking etc., there will be more and more banking institute to carry on multinational merger, to achieve globalization and comprehensive management, further to upgrade their core competitiveness. That will offer a good financial service for Chinese company to develop their overseas business. There for, the more China’s economic force getting strengthen, the more China’s economic influence power of trade investment will be. Meanwhile, China establishes political relation with various countries in order to get strategic interests, and to set up regional hegemony. Taiwan not only should pay attention to the Chinese market, but also should have sense of risk to their policy. Because China influences the economic degree to come higher than other countries do in policy. There shall be have a risk defense mechanism, act with prudence but positive attitude to deal with the Chinese market .To build up and construct a perfect and healthy environment of business culture and management. To create a fair and reasonable competitive environment, and to comply with the demand of knowledge economic to set up a new economic model. .

參考文獻


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