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研究生:顏秀玲
論文名稱:加入WTO後我國金融業競爭力之消長分析
論文名稱(外文):An exploratory study of Taiwan banking industry's competitiveness after entering WTO:a Four-Competitive-Perspective analysis
指導教授:李昊瞳李昊瞳引用關係吳建國吳建國引用關係
學位類別:碩士
校院名稱:育達商業技術學院
系所名稱:企業管理所
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2003
畢業學年度:91
語文別:中文
中文關鍵詞:競爭力產業競爭力金融業
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  加入WTO後,我國金融業也無法避免的受到自由化、全球化、公平化、消除關稅壁的衝擊,國內金融業者是否能與國際金融業者一較高低,金融業競爭力成為產官學界所矚目之焦點。
  競爭力之議題探討甚早,Scott and Lodge(1985)、Rugman(1987)、Buckley(1988)、Porter(1990)、Kogut(1993)、Hart(1994)等多位學者即提出多項有關競爭力的研究,引起廣泛的討論及運用。專研競爭力的組織也應運而生,其中以瑞士洛桑管理學院(IMD)、世界經濟論壇(WEF)之國家競爭力報告、Porter之鑽石模式在競爭力的研究領中,最為人所重視。
  因此本研究主旨在整合各學者所提出之競爭力衡量指標,提出多方位之金融業競爭力衡量方式,採用因素分析、迴歸分析、奱異數分析等統計方法,探討加入WTO後我國金融業的競爭力消長狀況。
  本研究透過198位銀行經理人之問卷及高階經理人之深度訪談;分析結果顯示,加入WTO後,金融業之競爭力呈現上升的狀況。其中影響金融業競爭力最重要的因素,分別為企業內部價值、產品及服務、市場結構。在差異分析部份,本研究發現金控公司、外國銀行之競爭力優於本國銀行;而公民營及國外銀行之比較,則發現公營銀行之競爭力呈現較差之現象。根據研究結果,顯示我國欲提升金融業之競爭力,應著重於提升企業內部價值、提供多元化之產品及服務,方能與國際金融業者一較長短
書名頁---------------------------------------------------------i
論文口試委員審定書--------------------------------------------ii
授權書-------------------------------------------------------iii
中文摘要-------------------------------------------------------v
英文摘要------------------------------------------------------vi
誌謝--------------------------------------------------------viii
目錄-----------------------------------------------------------x
表目錄-------------------------------------------------------xii
圖目錄-------------------------------------------------------xiv
第一章 緒論---------------------------------------------------1
    第一節 研究動機---------------------------------------1
    第二節 研究目的與問題---------------------------------2
    第三節 研究架構---------------------------------------2
第二章 文獻探討-----------------------------------------------4
第一節 WTO概述----------------------------------------4
第二節 金融業分析------------------------------------10
第三節 競爭力之概述----------------------------------14
第四節 有關研究文獻----------------------------------20
第三章 研究方法----------------------------------------------24
第一節 研究對象及抽樣設計----------------------------24
第二節 研究假設--------------------------------------25
第三節 變數定義--------------------------------------26
第四節 問卷設計--------------------------------------28
第五節 研究流程--------------------------------------29
第六節 資料分析方法----------------------------------30
第四章 資料分析----------------------------------------------32
第一節 基本資料分析----------------------------------32
第二節 信度與效度分析--------------------------------33
第三節 衡量構面之敘述統計分析------------------------37
第四節 研究假設之迴歸實證分析------------------------41
第五節 研究假設之差異性實證分析----------------------61
第六節 金融業市場策略與營收變化分析------------------67
第七節 次級資料分析----------------------------------74
第五章 結論--------------------------------------------------76
第一節 研究結論--------------------------------------76
第二節 研究貢獻--------------------------------------82
第三節 研究建議--------------------------------------84
第四節 研究限制--------------------------------------88
第六章 參考文獻----------------------------------------------89
第一節 中文參考文獻----------------------------------89
第二節 英文參考文獻----------------------------------91
第三節 參考網站--------------------------------------96
附錄一 問卷內容----------------------------------------------97
自傳---------------------------------------------------------105
第一節 中文參考文獻
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7. 行政院經濟建設委員會彙編,我國加入WTO後對經濟之影響及因應對  策報告民91
8. 何雍慶、洪清德、黃德舜、鎮明常、郭金茂、李秋錦、沈錦全、萬永  彬、黃逹人,「鋼品國內供需及其競爭力之調查分析-鋼條類」,台  灣區鋼鐵工業同業工會和國立中正大學企業管理研究所,民85
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16. 季惠生,「企業競爭力衡量指標之研究-以製造業為例」,全國管理  碩士論文獎暨研討會,民87
17. 林傑斌、陳湘、劉明德,Spssll統計分析實務設計寶典,民91
18. 洪震宇,「一百大金融企業-獲利成長,但仍缺蛻變」,天下雜誌,  特刊36
19. 張紹勳,研究方法,滄海書局,民90
20. 張紹勳、張紹評、林秀娟,SPSS For Windows多變量統計分析,松崗  書局,民91
21. 許世軍,我國國際競爭力評估之研究,行政院經濟建設委員會,民84
22. 陳正男、譚大純,「國家競力、產業競爭力與廠商績效-依據「世界  競爭力報導「與Porte「鑽石模式」為基礎之實證研究」,企業管理  學報,第43期
23. 陳正男、譚大純,「麥可波特「鑽石模式」在高科技產業競爭力衡量  之應用以台灣-南韓半導體產業為對象之量表設計及實證研究」,科  技管理學刊,第五卷第三期,89/12,P71-P104
24. 陳雅慧,「一百大金融業-金控角力誰勝出」,天下雜誌,第274期  pp.330-354,民92
25. 黃天麟,「挑戰金融逾放的既定思惟」,今周刊,92/5/12
26. 黃恆獎、王仕如,「國家競爭力指標之構念效度分析-IMD與WEF」指  標之評估,管理學報,第十四卷,民86
27. 經濟部國際貿易局,我國加入WTO對產業的影響與因應措施,民87
28. 經濟部國際貿易局,我國加入世界組織參考(三)服務業篇,民90
29. 榮泰生,企業研究方法,五南書局,pp.255-266,民89
30. 劉尚志,我國新興高科技製造業的競爭力與策略佈局,民89
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32. 簡卡芬,我國行動電話產業之競爭策略,碩士論文,民90
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第三節 參考網站
1. OECD:http://www.oecd.org,(2003/2/9)
2. 世界經濟論譚:http://www.weforum.org,(2003/2/9)
3. 洛桑管理學院: http://www02.imd.ch(2003/1/20)
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7. 政府研究資訊系統:http://www.grb.gov.tw/index.jsp,       (2002/3/15)
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