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  • 學位論文

金融整併對資深經理人職場倫理及金融產業衝擊之研究

The Study of senior manager’s career ethics and financial industries impact by financial integrated

指導教授 : 丘駿飛
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摘要


近年來台灣金融業因應經營環境變遷,吹起一股金融機構合併風潮,引發不少金融機構人員中資深經理人職涯規劃隨之劇變,面臨工作權不保、勞動條件不對等、個人收入驟降等相關問題;相形之下金融企業主為達成金融整併後協銷績效,不顧社會道德、社會責任、企業倫理,大幅晉用量販店式業務員到處競相銷售現金卡、信用卡、個人消費金融等高利差金融商品…,剝削一般中低階層百姓財富;另一方面,對台灣經濟貢獻主軸中小企業需求營運資金,金控銀行承做意願低,利率高、附帶條件嚴苛,使得中小企業主告貸無門,讓地下錢莊、不肖理財通路公司…伺機承辦大發利市,因而衍發經營成本提高,倒閉連連等經濟問題及金融亂象。本研究以歷經併購離職及現職金融機購資深經理人為訪談對象,共60份有效訪談樣本,採用「深度訪談」、「敘述性探討」、「實證說明」等方法剖析金融購併後「對資深經理人前程發展的影響」、「員工因併購後整體福利待遇變革,對目前服務公司的忠誠度,對銀行社會價值觀存疑的改變,職業道德操守等問題的變化」、「金融整併後採行的業務方針對國內各項產業面在實務操作後可能衍生的影響」。其研究結果提供從業人員、金融企業主、社會人士參考。 主要陳述及結論摘要有下列幾點: 一、近年來國內各金融服務業合併過程案例陳述。 二、國內各金融整併對員工就業前程發展、收入安定性與工作權的保障等真實發生狀況說明。 三、合併後國內金控財團掌控下金融機構對消費者的經營、對消費者服務產生何種劇變、對中小企業業務擴展方向及影響。 四、金控合併後,資本主照顧員工方式、經營政策,及一再產生扭曲,其扭營運模式,長遠以往對國內金融專才培訓、就業與國內產業經濟活動的影響探討。 五、全國二十五兆新台幣的銀行,五兆新台幣保險資產,市值十八兆的股市主流,卻欠缺合宜金融整併監理機制。

並列摘要


In recent years, because of changes in the corporate environment, Taiwan’s financial sector has seen a trend of merging financial institutions. This has caused massive changes in the lives of many senior financial institution managers. In comparison, financial corporations have overlooked social morals, social responsibility, and corporate ethics in using large numbers of sales personnel to market high profit financial products such as cash cards, credit cards, and personal consumer financing at the expense of wealth of middle and lower classes in order to achieve assisted sales performance after financial mergers. On the other hand, financial holdings companies have low intentionality to accept, there are high interest rates, with harsh added conditions, so that middle and small businesses have no way of borrow, so there are economic problems and financial chaos due to elevated costs. This study uses as senior managers who have experienced mergers and left their jobs, as well as current financial institution senior managers as research subjects, and there were 60 valid survey samples. It uses “in-depth surveys,” “descriptive discussion,” and “empirical explanations” to discuss the “effects on future development of senior managers,” “change in employee benefits, loyalty to current company, changes in social values of banks, changes in issues such as professional ethics of employees after mergers,” and “possible effects of practical operation after mergers on various domestic industries” after mergers. The research results are provided to personnel in the business, financial business owners, and other people in society as a reference. The main descriptions and conclusions are as follows: (1) Descriptions of mergers in the financial industry over the past few years. (2) Descriptions of actual influences on the employment development, income stability, and protection of employments rights by financial mergers. (3) Influence on management of consumers, changes in customer service, and effects on the expansion of middle and small businesses under the control of holdings groups after mergers. (4) After mergers of holdings companies, the ways in which owners care for employees and management operations; the influences on cultivation and employment of financial professionals and domestic industrial economic activities are evaluated. (5) Taiwan has 25 trillion NTD in banks, 5 trillion NTD in insurance assets, and a market value of 18 trillion NTD in the mainstream stock market, but it lacks a suitable financial merger monitoring mechanisms. This study suggests that financial institution operators should provide employment incentives for employee “future developments,” “employee loyalty,” and “corporate sustainability,” in order to maintain talent for the country and society. By the same principle, financial services are the bloodline of all industries and a symbol of national potency and trust. It is hoped that citizens would have the concept of life communities, so that financial holdings companies can be constructed into “corporate gentlemen” with social justice and social morals.

參考文獻


(1) 陳崇博(2005),「銀行併購後員工待遇與員工績效間關係之實証研究」,淡江大學企業經營碩士論文。?
一、中文部份
(2) 王佳蒂(2004),「企業併購勞資爭議問題之研究—以元大京華證券合併案為例」,中正大學勞工研究所碩士論文
二、網路部份
(1) 天下半月刊雜誌,http://www.cw.com.tw

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