面對國際金融的新趨勢,大陸在加入WTO 以後,其國內金融市場正對外商金融業逐步開放,但現階段台灣銀行業尚不能正式成立分行進軍大陸市場經營業務,此時的進入策略不僅在尋求「最佳進入模式」,而且也是在尋找與環境妥協的「次佳選擇方案」。 本研究探討臺灣銀行業赴大陸投資之進入模式決定因素,並以土地銀行為研究對象,以環境、策略、組織結構及績效衡量構面來分析,透過層級分析法歸納出進入中國金融市場之關鍵成功因素。本研究結果如下: 一、就總體策略面而言,個案銀行除了等待大陸方面進一步開放將辦事處升格為分行外,併購海外子銀行或與外國銀行合資為「次佳選擇方案」,其次才是與中國銀行業策略聯盟,並以「營運績效達成」為主要目標。 二、就事業策略面而言,公司之經營策略具關鍵成功因素,尤以「核心能力之掌握」、「目標市場的區隔與選擇」及「策略夥伴的選擇」最為重要。 三、環境、組織結構面之關鍵成功因素歸納如下: (一)、環境面 政治法律環境中以「中國政府配合程度」最為重要,其次為「中國金融政策走向」、「兩岸金融監管協商機制」。 經濟文化環境中以「准入之資產規模及營運資金」最為重要,其次為「薪資」、「經濟指標成長幅度」。 企業內部環境中以「公司的發展策略」最為重要,其次為「國際化經驗」、「明確的企業定位」。 (二)、組織結構中以「組織結構類型」最為重要,其次為「管理型態」、「股權結構」
Under the new tendency of international finance, in China, after join WTO the domestic financial market gradually open for foreign banks. But Taiwanese banks are not allowed to extend their business reaches into Chinese mainland market by a number of political reasons. In the meantime, study on entry strategy is not only pursue "the best enter mode" but also look for "second best alternative" that compromise with environment and restrictive conditions. This study tried to find out the determinants of Taiwan banks entering China model. As an example of Landbank of Taiwan, we analyzed the factors of environment, strategies, organization construction, performance and generalized conclusion of the key success factors through AHP. Concluded as below: i. As corporate strategy, except waiting open policy of China to promote as a branch, merge overseas bank or co-capital with foreign bank became the "second best alternative", moreover strategic alliances with China banks. The main purpose is the operating results of the achievement. ii. As business strategy, the key success factor (KSF) is the operating strategy of company, especially, core competency control, target markets selection and division, and strategy partners’ selection; iii. The key success factors on environment, strategies and organization construction are concluded as follows. 1.) For environment – In political-law, especially important to China governmental co-operate level, China financial tendency and optimal supervision and solution between Taiwan and China. In economical- cultural, especially important to allowed capital scale and running capital, salary, and economic growth index. Banks internal KSF are development strategy, next to globalization experience and definite orientation, 2.) For organization construction, the KSF are organization structure management, management and ownership structure.